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From Jersey City streets to Wall Street success, Manuel Ruiz, CFP®, transformed not just his own financial destiny, but discovered the psychology that helps families build generational wealth. As a CERTIFIED FINANCIAL PLANNER™ professional with over 20 years of experience guiding more than 1,000 families, Manuel bridges Wall Street sophistication with Main Street accessibility. His signature "Four Seasons of Wealth" approach has helped families prevent the statistic that 70% of wealthy families lose their wealth by the second generation. Founder of Compass Private Wealth and author of Why Not Me?, Manuel lives in New Jersey with his wife Paola and daughter Brooke..