Rudy Ruiz

Independent Financial Adivosor | Radio Show Personality I Bilingual Spanish

Financial Adviser at Sagepoint Financial, Inc. in Camarillo, CA

About

Mission Statement: To Inform and Educate Spanish/English speaking Individuals and Small Business owners on Retirement and Income Strategies which leads to Applying the Strategies to meet their Goals. Located in Camarillo CA, I work in the surrounding communities of Ventura County as well as Los Angeles and Santa Barbara. Working independently I am able to provide a wide range of service to Individuals and Small Business owners (Sole Prop and Incorporated) that place their needs first over Corporate Profits. In Simple and Easy to understand terms, I work to build Strategies on Retirement and Income plans that include: 401k's and IRA's - Review of Cost, Performance, Benefits and Beneficiaries Fixed Income - Taxable, Tax Free and Tax Deferred Active Management versus Passive Management Strategies Lifetime Income Strategies - Benefits of Combining with or without Social Security Income I also provide Life Insurance Estate Planning Strategies to families for protection against Loss of Income, Estate Tax Planning and Final Expenses. For Small Business Owners, I provide more Advanced Life Insurance Strategies that deals with their Business Operations, Tax Deductible and ultimately Business Succession. Life Insurance - Term and Permanent ( Whole Life, Universal Life, Indexed UL) Business Life Insurance - Key Man, Sole Prop, Cross Buy Sell Agreements Living Trust Services - Certified Estate Planner I am also available to make Guest Appearances through Radio and Television Media. I have posted below appearances I have made on Ventura County 1520 am Pedroza Radio Spanish show.

Contact
Click for phone number
(805) 484-1011
Address
770 Paseo Camarillo Ste 130 in Camarillo, CA 93010
Info
None specified

Reviews

Peer Endorsements

Best Answers

Q&A
Asked by Kirt

Answered by Rudy Ruiz
Financial Adviser in Camarillo, CA
The most easy thing to do is simply pull the contribution out of the Roth IRA before the Tax Day April 15th. The post-tax amount you contributed will not be penalized ...
Financial Planning Retirement Investing & Retiring IRA
Q&A
Asked by Chelsey

Answered by Michael Keeler
CFP®, CLTC in Las Vegas, NV
When you take a distribution from your 401(k) before age 59 1/2, you pay an additional 10% penalty in addition to the income tax on that amount. This could end up to ...
401(k) Investing & Retiring
Q&A
Asked by Michael

Answered by Linda A. Stortz
CPA, EA in Largo, FL
You must be asking if you can "make" an IRA contribution, rather than "take" an IRA contribution. No, either one of you must have earned compensation from wages, salar...
Pensions Social Security Retirement Investing & Retiring IRA
3

Specialties

  • Annuities
  • Bonds & Fixed Income
  • Estate Planning
  • Life Insurance
  • Mutual Funds
  • Retirement Planning
  • Tax Advantaged Investments

Servicing

Credentials

Licenses

CA Department of Insurance Life agent, Variable Contracts agent, Accident and Health agent
License # 0F18066
Series 6
Series 63
Series 7
Series 65

Associations

Camarillo Chamber of Commerce
Latinos in Business Committee

Background

Experience

Financial Adivosor
Financial Advisor

Education

Cal State Northridge

Disclosure

Securities offered through SagePoint Financial, Inc., a registered broker dealer member FINRA/SIPC. Investment advisory services offered through Independent Capital Management, Inc. a registered investment advisor, not affiliated with SagePoint Financial, Inc. Certain insurance products offered through Independent Capital Management (ICM). ICM Real Estate DBA ICM Lending is a wholly owned subsidiary of ICM. ICM is a separate company from SagePoint Financial, Inc. Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements.