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Melissa Ruiz

Helping You Plan the Future You Deserve.

Contact Melissa today and let’s start protecting what matters most together!

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Have questions or need more information?

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  • CA License #0H95899
  • Options from several insurance carriers

We work with carriers like

  • National Life Group
  • Midland National
  • Athene
  • F&G Annuities & Life
  • Mutual of Omaha

Guiding you through every step with personalized care

  • 457 Retirement Plan

    A deferred-compensation plan for state and local government (and some nonprofits), offering pre-tax savings and flexible withdrawals.

  • 403(b) Retirement Plan

    A tax-advantaged pension plan for employees of schools and nonprofits, letting you save pre-tax income for retirement.

  • Individual Retirement Account (IRA)

    A personal retirement savings account with tax-deferred growth; contributions may be tax-deductible depending on income and participation in other plans.

  • Roth IRA

    A retirement account funded with after-tax dollars, growing tax-free—withdrawals in retirement are also tax-free if rules are met.

  • Life Insurance

    A contract that pays a tax-free death benefit to beneficiaries, providing financial protection and peace of mind.

How working with Melissa works

  1. Reach out

    Send the form, call, or book a time on my calendar. Tell me a little about what you want to protect or plan for.

  2. Talk it through

    We go over your goals, budget and timeline, and I answer your questions in plain language.

  3. Choose what fits

    Compare your options side by side and decide at your own pace.

Questions before we talk

What happens after I send the form?

I'll reach out using the phone number or email you give me to set up a time to talk.

What should I have ready for our first conversation?

Just a rough idea of your goals. If you have current life insurance policies or retirement account statements, keep them handy so we can review them together.

Am I limited to one insurance company?

No. I'm part of the CPIS Financial team, and we can compare options from several insurance carriers to find coverage that fits your needs and budget.

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We educate. We plan. We protect.

We’ve helped more than 2,000 California educators take control of their retirement plans, avoid costly mistakes, and close the income gaps their pensions couldn’t cover. We know the system, we know the traps and we know how to help teachers retire with confidence.

Book an appointment today!Call (831) 776-3261
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