By Pivot Wealth Advisors delivers tax-smart, purpose-driven financial planning for those earning $100K+
Boise, Idaho, April 9, 2025 – Qwoted Newswire – Carlos Ruiz, CFP®, a U.S. Air Force veteran and financial planner, has launched Pivot Wealth Advisors, a new firm based in Boise, Idaho, serving high earners nationwide. The firm focuses on helping clients earning $100K or more navigate financial complexity and build lasting wealth that aligns with their values and goals.
Pivot Wealth Advisors was created to serve professionals, business owners, and veterans who are often overlooked by traditional financial planning models—those earning strong incomes but still feeling financial stress due to tax burdens, lifestyle inflation, and scattered strategies.
Ruiz, a fee-only advisor, founded the firm after observing a growing trend: high earners quietly struggling with financial complexity and a lack of clarity around what success truly means.
“Many of our clients earn multiple six figures and still feel behind,” said Ruiz. “They’re managing careers, families, and responsibilities—but financially, they’re overwhelmed. Pivot was built to help them create a life that feels both intentional and sustainable.”
Known as “High Earners, Not Rich Yet,” or HENRYs, these clients are often in their peak earning years but lack integrated guidance across cash flow, taxes, and investments. Pivot supports them with integrated planning across cash flow, taxes, and investments—including strategies like Roth conversions, tax-efficient giving, and early retirement planning. The firm also helps clients navigate major transitions such as sabbaticals, job changes, or entrepreneurial pursuits.
The firm’s planning process is structured around a four-part framework: Pause, Plan, Pivot, Prosper
. This model helps clients move from financial pressure to purpose—starting with a comprehensive evaluation, followed by the creation of a personalized strategy, and continuing through implementation and long-term decision support.
“Real wealth isn’t limited to financial outcomes,” Ruiz said. “At Pivot, we focus on five key dimensions: financial health, time freedom, strong relationships, spiritual clarity, and peace of mind.” This philosophy shapes how the firm approaches every plan—connecting practical financial strategy to the deeper priorities that define a meaningful life.
With growing economic uncertainty and evolving workplace norms, Ruiz sees a unique opportunity to help clients redefine success on their own terms. As more high earners confront financial pressure, rising complexity, and the sense that success doesn’t always bring peace, Pivot Wealth Advisors aims to offer a clearer way forward.
“This isn’t just about wealth accumulation—it’s about creating a life that fuels your purpose,” Ruiz said. “We’re here for the people who are ready to stop chasing and start living.”
About Pivot Wealth Advisors
Pivot Wealth Advisors is an independent, fee-only financial planning firm based in Boise, Idaho, serving high-income professionals, business owners, and veterans nationwide. Founded by Carlos Ruiz, CFP®, the firm provides tax-smart, purpose-driven strategies to help clients align their finances with their values and build lasting wealth across all areas of life.
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Full Name: Carlos Ruiz, CFP®
Title: Founder & Lead Advisor
Company Name: Pivot Wealth Advisors
Email: [email protected]
Phone Number: 208-401-9272
Website: https://www.planwithpivot.com
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