"Changing the Narrative" is more than a tagline. It's the mission behind everything I do.
I'm Fabian Paul Cruz, founder of CITO Holdings, a financial services ecosystem built around one goal: helping individuals and business owners resolve tax debt, protect what they've built, and create generational wealth.
Most people meet me through CITO Tax Resolution. Whether it's back taxes, a payroll tax issue, or the tax fallout from a divorce, I started this company because my own parents lived through a nightmare with a national tax firm: a different rep every call, no direction, no follow through. Nobody should feel forgotten by the people they hired to help them. Our clients deserve their life back, and that's what we deliver.
Once the fire is out, the real work begins, making sure it never happens again. Through CITO Trust, I help clients put the right structure in place: the operating business, the management company, and the asset holding entity, working together to mitigate taxes, protect assets, and build something that lasts beyond them.
Since launching CITO Tax Resolution, I've helped hundreds of people resolve tax debt and get their lives back. But the number I care about most is the families and business owners who finally get to stop worrying.
If you're ready to move from tax debt to tax strategy, from exposure to protection, let's talk. That's Changing the Narrative.
Licensing & Credentials
Services Offered
Tax Specialties
Where I Provide Services
