Mind on Money

Mind on Money is a regular column from Oak Partners, written by Marc Ruiz, that explores the financial topics shaping today’s markets and long-term planning decisions. The column is also published in the Northwest Indiana Times, providing insight to readers across Northwest Indiana.

About the Author

Marc Ruiz is a financial advisor at Oak Partners, focused on long-term investment strategy and client-centered financial planning. His approach emphasizes disciplined decision making, thoughtful analysis, and aligning financial strategies with each client’s broader goals.

Forbes|SHOOK “Best-in-State Wealth Advisors” cover with black background and gold accents, 2026 edition

The Forbes Best-In-State Wealth Advisor ranking, developed by SHOOK Research, is based on in-person and telephone due diligence meetings and a ranking algorithm that includes: client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes nor SHOOK Research receives a fee in exchange for rankings.

Marc Ruiz, Wealth Advisor at Oak Partners Wealth and Retirement Planning
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz September 13, 2026
Marc Ruiz on why U.S. diesel prices near record highs, driven by refinery shortages and two wars, could push costs higher across the economy this fall.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz September 6, 2026
Marc Ruiz explains the FEMA DR-4933 declaration for Northwest Indiana and how a $22,000 qualified disaster recovery distribution from an IRA or 401(k) works.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz August 30, 2026
Marc Ruiz explains bond vigilantes, why 30-year yields hit multi-decade highs in the U.S., U.K., France and Japan, and whether a fiscal reckoning has arrived.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz August 23, 2026
Marc Ruiz on a three generation family debate over home prices, gas and wages, and why the law of large numbers makes today's dollar figures feel bigger.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz August 16, 2026
Marc Ruiz explains how rising rates in Japan are unwinding the Yen carry trade and pushing U.S. Treasury yields higher, and what it may mean for portfolios.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz August 9, 2026
Marc Ruiz explains how Indiana's Neighborhood Assistance Program tax credit gives donors a 50% state credit while funding local nonprofits serving Hoosiers.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz July 31, 2026
Marc Ruiz on trimming a beloved tech stock that had grown to 40% of his own retirement account, and why diversification and profit-taking still matter.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz July 26, 2026
Marc Ruiz reflects on Alan Greenspan's legacy at the Federal Reserve and what new Fed Chair Kevin Warsh's early approach may signal for investors.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz July 12, 2026
Marc Ruiz breaks down the new federal Trump accounts for children, including the $1,000 government pilot contribution, eligibility, and how they compare to other savings options for minors.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz July 5, 2026
A decade of mega-cap dominance may be rotating toward broader markets. Marc Ruiz explains why mid-2026 is a timely moment to review and rebalance portfolios.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz June 29, 2026
Marc Ruiz reflects on the passing of Fed Chairman Alan Greenspan at 100 and why Kevin Warsh's market-based approach recalls the Fed he began his career under.
Mind on Money column by Marc Ruiz, wealth advisor at Oak Partners
By Marc Ruiz June 22, 2026
Marc Ruiz breaks down token economics, the new unit of exchange behind the $7 trillion AI buildout, and why it gives him pause as an investor.