Carlos Ruiz

Advisor at Origin Investment Advisory LLC

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Credentials

CFP®

Origin Investment Advisory LLC logo

Firm

Origin Investment Advisory LLC

Location

Boise, ID 83702

About

I’m Carlos Ruiz, founder of Pivot Wealth Advisors based in Boise, Idaho.

I was raised by my great-grandmother—a woman who never had a bank account and couldn’t read or write, but somehow understood money better than anyone I’ve ever met. She taught me that true wealth isn’t about chasing more—it’s about using what you have to build freedom, stability, and impact. That wisdom shapes everything I do today.

Most advisors start with investments. I start with strategy.

My clients are often navigating the complexities of success: higher income, higher taxes, and bigger decisions. I help cut through the noise and simplify the financial side of life—lowering your tax bill, aligning your income and investments with your values, and creating a plan that gives you options. Not just for retirement—but for right now.

As a CERTIFIED FINANCIAL PLANNER™ professional and an Air Force Reservist, I bring discipline, clarity, and forward-thinking strategy to every plan—so you’re never scrambling, always prepared.

I serve clients across Boise, Meridian, Nampa, and virtually throughout the U.S. My planning process is practical, personal, and built for real life.

Everything I do—both in my work and in my own life—is for my wife and our kids. They remind me that the most important kind of wealth isn’t measured in dollars, but in time, peace, and purpose.

If that’s what you’re after, I’d love to connect.

Expertise

Business ownership considerations General retirement planning

Occupation focus

Doctor or Medical Professional Founder/Business Owner Military & Veterans

Demographic focus

Gen Y/Millennials (Born 1980-1995)

Fee options

Flat: $5K to $15K

Hourly: $300

Work history

Origin Investment Advisory LLC

2025 - Present (1 year)

Zero DAy Capital Enterprises LLC

2025 - 2025 (1 year)

Pivot Wealth Advisors, LLC

2024 - Present (2 years)

Facet Wealth, Inc.

2021 - 2024 (3 years)

Facet Wealth

2021 - 2024 (3 years)

Financial Pathway Advisors LLC

2020 - 2021 (1 year)

Financial Pathway Advisors, LLC

2020 - 2021 (1 year)

Wechter Feldman Wealth Management, Inc.

2018 - 2019 (1 year)

Wechter Feldman Wealth Management, Inc.

2017 - 2019 (2 years)

William Paterson University

2016 - 2017 (1 year)

Student

2015 - 2016 (1 year)

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