DENISE RUIZ has more than 30 years of experience in the financial services industry. Organized and personable, she works closely with Timothy Cronin to provide an extraordinary client experience.

She joined NEXT Retirement Solutions in 2012 and has been working with the team since 1998, first at A.G. Edwards and then Wachovia and Wells Fargo Advisors. She has held a variety of positions, including practice administration manager, branch administrator, registered client associate and operations manager.

Earlier in her career, she was a sales and administrative assistant at First San Diego Company/Western Financial, PaineWebber and Sutro & Company. She holds Series 7 and 63 securities licenses and a California insurance license.

Originally from New York City, Denise lives in Murrieta with her husband, Robert, and children, Robert, Jr. and Brian. When not working, she enjoys spending time with her family, especially her three grandchildren and her new puppy.