Today we have a financial and insurance expert on the show to talk about the importance of not only investing into your future, but also the futures of your legacy. Joel Ruiz has over 32 years of experience in these industries and has an abundance of knowledge to share. The product of a single parent upbringing in East Los Angeles, Joel learned at a very early age the value of having a good work ethic, a work ethic he has used to move up in the corporate ladder, founding companies, and partnering with others to provide services that give his clients peace of mind.