Meet Your Advisor

Hi, I’m Carlos.

I’m a husband, a father of two, and a guy who drinks a lot of coffee!

I love the art behind specialty coffee — the patience and the precision — because the best results come from slowing down and brewing with intentionality. Funny enough, that’s how I see financial planning too.

I was raised by my great-grandmother — the wisest person I’ve ever known. She never went to school, and couldn’t read or write, but she understood money better than anyone. In her eyes, wealth wasn’t about having more, but about using what you had wisely. That lesson stuck with me, and it’s why I created Pivot Wealth Advisors.

I help professionals and business owners embrace success without losing sight of what’s most important. Because I know what it feels like to be pulled in different directions — to feel like you’re doing well, yet going nowhere.

You’ve worked hard to get where you are. You shouldn’t have to master your craft and become a financial expert at the same time. The world needs you to focus on what you do best, and your family needs you to be fully present when you get home.

My goal is to give you the clarity and confidence to make decisions you feel good about — so you can stop second-guessing and build a life you can be proud of.

Success shouldn’t feel like a burden — it should feel like freedom.

Carlos D. Ruiz, CFP®
Founder & Principal Advisor