Changing the Narrative.

I'm Fabian Paul Cruz, founder of CITO Trust.

Most people believe the strategies that build and protect wealth are only for the rich. That's the narrative I'm here to change. The wealthy didn't get there by accident. They got there by structure and a plan, and both are available to anyone willing to use them.

I spent nearly twenty years in corporate America, where I learned how large organizations are built: nothing sits in one place, every entity has a job, and every dollar is planned.

About eight years ago, my parents were given bad advice by their tax preparer. By the time anyone noticed, they were facing a tax debt far bigger than they could pay. I watched what that did to them: the stress, the uncertainty, the feeling of doing everything right and still ending up in trouble.

Then they turned to one of the large national tax resolution firms for help, and it was a second struggle. Slow answers, rotating contacts, and the sense that they were just another case number. I got involved, and I realized that the skills I’d built in corporate America, navigating complex systems, negotiating, and keeping people accountable, translated directly to the tax resolution world. My parents got it resolved. And I found my next calling.

But as I began helping other families, I kept seeing the same pattern. Clients would resolve their tax issues and, a few years later, end up right back in trouble. Not because they were irresponsible, but because no one had ever given them a strategy for their taxes, their assets, or their estate as a business owner. We were fixing the problem without fixing the cause.

So I started CITO Trust, to give business owners the structure and the plan that keep them out of trouble in the first place, and build something that lasts.