Tavares | Winter Park | The Villages

Barron’s Honors Winning Mentality in Wealth Management

Tom Ruggie doesn’t believe in shortcuts—whether choosing investments for his clients or getting through his CrossFit WOD (workout of the day). “I choose to do the most difficult workouts appropriate to my ability, and push from there.” For 25 years, he has applied this sort of winning mentality to his wealth management business, which, in part, explains his recognition among Barron’s Top 1200 Financial Advisors five times. 

Tom attributes Ruggie Wealth Management’s success in large part to delivering a ‘fiduciary’ standard of client care—in which clients’ interests are placed first and foremost. “There is a tremendous need for fiduciary advice, free from conflicts of interest. I strongly feel that as independent Registered Investment Advisors we have a significant competitive advantage in our clients’ eyes, because we have positioned ourselves as objective champions of their financial success. We want to do things right, and that includes investing for a clear purpose that’s spelled out in depth in clients’ financial plans. We believe in making realistic financial projections, investing for the long term, communicating weekly, and when necessary, delivering hard messages about spending and retirement dates to keep clients on course. As a result, Ruggie Wealth has maintained steady asset growth, and rarely loses a client.

I love building teams and competing. Our team takes pride in playing a critical role in helping clients from across the wealth spectrum achieve their goals — ranging from a comfortable retirement to giving away fortunes. And for that, there is no shortcut.”

From the very first phone call…

Tom Ruggie is many things. He is a husband, father, entrepreneur, sports enthusiast, Chartered Financial Consultant®, Certified Financial Planner™, and one of Barron’s Top 1200 Financial Advisors for the fifth time. Whatever the hat, he embraces making excellence a prerequisite. In fact, he has made it a cornerstone of how he and his Ruggie Wealth Management team serve our clients. You see, they believe that once the big things are done, it is often the little things that distinguish good from great. “Little things” like promptly returning phone calls or emails, immediately taking action when a need arises, proactively reaching out with new opportunities, and just checking in to see how things are going…all the things they don’t actually consider “little” at all.

From the very first phone call, Tom and the Ruggie Wealth Management team want to prove to you what it is like to have one of the top wealth management firms in the country make you their top priority. If this is the type of Financial Advisors you want, let’s talk. Call us today at 352.343-2700.


With Taxes Filed, Opportunity Knocks

The deadline for filing federal tax returns was midnight last night. Many are exhaling with a sigh of relief while others may be searching for answers and reevaluating their financial strategy for the short and long term. This is an obvious opportunity to make a good review of today’s financial reality to project tomorrow’s path forward.

Barron’s recognized Tom Ruggie and the Ruggie Wealth Management team apply various components of our wealth management approach that come together through a comprehensive suite of services. We analyze your retirement plans and intentions, employee benefits, and estate plan. The results establish a foundation for personalized asset allocation recommendations, as well as specific investment strategies.

We will optimize your financial plan in an effort to minimize your fees, decrease tax exposure, ensure readiness for important milestones including education funding. We also seek to mitigate insurable risks, and maximize the impact of your charitable giving.

Call us today at 352.343.2700. We are here to answer your questions and help you discover options to move forward with confidence in your financial strategy.

Securing An Estate Plan Brings Peace of Mind Today and Provides Hope for Tomorrow

It has been said by many wise people in various ways that studying our past gives context to the present and hope for tomorrow. Assessing your financial history and current reality leads into creating an estate plan as a part of your comprehensive financial strategy. Having an estate plan can be one of the most effective ways of lowering estate taxes while providing for your family’s needs today and leaving a legacy for the future. As your estate planning partner, Ruggie Wealth Management may:

  • Coordinate with your attorney and CPA to implement your estate plan from beginning to end
  • Retitle assets to reduce or eliminate estate taxes or avoid probate
  • Conduct routinely scheduled planning reviews
  • Review and coordinate your philanthropic/charitable contributions

Ruggie Wealth Management has the experience and industry recognition to help you develop a reliable and secure estate plan. Founder and CEO of Ruggie Wealth Management, Tom Ruggie, was named a Top 1200 Advisor by Barron’s Magazine for the fifth time and a third year in a row. Among the factors, the ranking takes into consideration are the quality of practice, assets under management, revenues, and philanthropic work.

At Ruggie Wealth, we aren’t here to push product or personality. Our passion is to serve people and to see your financial goals come to life and find success. Call us today at (352) 343-2700 to ask any questions or to set up a time to meet with our wealth management advisors. We are ready to help.

Team Exceptionalism Is the Strength Behind Ruggie Recognitions

We are excited Ruggie Wealth Management (RWM) Founder and CEO Tom Ruggie has been recognized as a Barron’s Top 1200 Financial Advisor and is one of only about 20 advisors nationwide invited to join the elite Forbes Finance Council.

However, Tom would be the first to tell you these recognitions are only possible because he is surrounded by an extraordinary team who provide principled, unbiased, client-first service. Our team takes the time to understand our clients and their needs and takes very seriously their fiduciary responsibility to put their clients’ needs above their own. Doing so helps ensure our clients can enjoy the confidence and peace-of-mind that comes from having their investments handled wisely, and their financial lives simplified and organized.

For your free consultation, call us today at (352) 343-2700 or learn more about our team by clicking here.

Pragmatic Retirement Planning by Professionals You Can Trust

When it comes to your retirement, we reject formulaic answers or cookie-cutter plans. At Ruggie Wealth Management, we avoid the temptation to idealize the road ahead. Instead, we look at where you are and where you need to be financially by looking at multiple indicators that can help you prepare and improve your financial health in the years ahead. We think through multiple scenarios, (for example, how do you best avoid outliving your money), provide action steps to help set you on the right course, monitor how you’re doing, and consistently communicate where you are in meeting your goals.

Our innovative Ruggie Method Distribution Strategy replaces conventional evaluation processes which determine how and when an individual’s retirement savings should be distributed, with a statistical method. This Ruggie Method Distribution Strategy is also ideal for helping foundations determine the optimum annual distribution of their portfolio balances.

These are just some of the reason, Ruggie Wealth Management Founder and CEO Tom Ruggie, ChFC®, CFP®, has been named to Barron’s 2017 list of America’s Top 1,200 Advisors, the fifth time he has earned this distinction, and the third time in a row.

Factors this ranking takes into consideration include quality of practice, assets under management, revenues, and philanthropic work. As Tom has invested into his career and company, Ruggie Wealth Management will invest in you, your financial strategy and retirement plan.

Call us today at (352) 343-2700 to ask any questions or to set up a time to meet with our wealth management advisors. Planning for the future starts today. We are here to help.

Ruggie Wealth Named to Barron’s 1200 Top Financial Advisors for Fifth Time

Ruggie Wealth Management announced that Founder and CEO Thomas H. Ruggie, ChFC®, CFP®, has been named to Barron’s list of America’s Top 1,200 Advisors: 2017. This is the fifth time Ruggie has earned this distinction, and the third straight year.

Barron’s publishes its annual Top 1200 Advisors by State compilation to recognize advisors demonstrating exceptional performance, professionalism, client service and community involvement. Among the factors the “Barron’s Top 1,200 Advisors” ranking takes into consideration are quality of practice, assets under management, revenues, and philanthropic work.

“Competition is steep to be selected for this list, and those who make the cut represent a very high level of achievement in serving their clients’ wealth management needs,” said Ruggie of the ranking which recognizes both an elite group of independent financial professionals and large wirehouses. “I believe our clients turn to us because of our dedication to placing their interests above ours, and for the strength of our processes and collective wisdom of our team. To once again be named among Barron’s Top Advisors is an honor that reinforces we are doing what we set out to do on our clients’ behalf.”

Ruggie Wealth Management provides services to individual and corporate clients, as well as to a select group of endowments and foundations. As the flagship company of Ruggie Capital Group, Ruggie Wealth offers a broad range of services and products to help clients achieve their financial goals. Ruggie Capital Group recently launched Destiny Family Office to expand their continuum of services to high-net-worth clients.

The firm has offices in Tavares, Winter Park and The Villages®, FL.

RWM Partners with National Advisors Trust Company to Bring You World-Class Trust & Custodial Services

Ruggie Wealth Management has expanded its trust solutions for clients whose financial, family or business needs require the services of a corporate trustee, by becoming a Trust Representative Office of National Advisors Trust Company, FSB (NATC).

With $10 billion in assets under administration, NATC is one of the largest independent trust companies in the nation. It is nationally-chartered and regulated by the Office of the Comptroller of the Currency, (a bureau of the U.S. Treasury Department) It is also a member of the Federal Deposit Insurance Corporation.

By working with NATC, your Ruggie Wealth Advisor and your estate planning attorney are able to create a solid, effective estate plan that helps you minimize estate transfer and gift taxes while providing a flexible trustee solution. Together, we help improve the overall transfer of wealth between generations, and help you remain confident about the future of your estate.

Your estate planning professional can work with you to recommend and establish the appropriate trust. They will appoint Ruggie Wealth as your investment advisor and NATC as a corporate trustee, co-trustee or agent for trustee. Families can retain as much involvement and responsibility with the trust as desired.

Individuals sometimes appoint themselves, a family member, attorney, or family friend as trustee of their trusts. We know there’s no one-size-fits-all trustee solution that works for every situation. For many individuals, the administrative aspects of serving as trustee are time consuming and challenging. It may be difficult to ensure compliance with the trust document.

By appointing Ruggie Wealth to act as the agent, the trustee will still retain fiduciary responsibility, while the trust company provides asset custody, trust-style statements and trust officer support.

Ruggie Wealth works directly with the trustee to manage trust assets, help perform trust administration duties as outlined in the trust document, such as distributions, statement production, tax reporting and bill paying and achieve the stated financial objectives.

For more information, talk with your Ruggie Wealth Advisor.

Trust Services

  • Revocable trusts
  • Charitable trusts
  • Irrevocable life insurance trusts
  • Special needs trusts
  • Irrevocable trusts
  • Institutional trusts
  • Agent for trustees

Custodial Services

  • Securities safekeeping
  • Income collection from securities
  • Settlement of securities trades as directed
  • Payment of funds when directed
  • Timely statement delivery
  • Custody for alternative investments

Retirement Plan Services

  • IRAs: custodian or trustee
  • Defined benefit plans
  • 401(k): daily valuation platform
  • Defined contribution plans
  • Roth 401(k) feature within a 401(k) plan

RWM Asset Management Creates an Elite Service and Professional Partnership with Lion Street

RWM Asset Management President Thomas H. Ruggie, ChFC®, CFP®, announced he has joined Lion Street as an Advisor-Owner. Lion Street is a national financial services distribution company owned by an elite force of independent financial advisors who also specialize in providing life insurance, business insurance, and other financial-planning solutions to their high-net-worth individuals, family offices, business owners, and corporate clients.

“I have been looking for a partner in the insurance arena who specializes in areas we would otherwise not get involved in, including bank-owned life insurance (BOLI), corporate-owned life insurance (COLI), deferred compensation planning, and employee stock-ownership plans (ESOP), and we are very pleased with Lion Street’s approach,” said Ruggie, who is also president of Central Florida-based Ruggie Wealth Management, an independent Registered Investment Advisor (RIA).

“This strategic investment is an evolutionary leap in extending those types of services further on behalf of our clients, while expanding the value we deliver.

“The Lion Street partnership reflects our commitment to help our clients plan, invest and protect their savings so they can retire better. It is a strong complement to the wealth solutions we are able to offer.”

Ruggie Wealth Management provides services to individual and corporate clients, as well as to a select group of endowments and foundations. As the flagship company of Ruggie Capital Group, Ruggie Wealth offers a broad range of services and products to help clients achieve their financial goals. RWM Asset Management is a separate RIA which manages Ruggie Wealth’s investment portfolios.

For more information, talk to a Ruggie Wealth Advisor, call 352.343.2700 or email info@ruggiewealth.com. The firm has offices in Tavares, Winter Park, The Villages®, and Clermont, FL

Ruggie Wealth Management Announces Addition of Trader/Operations Specialist Michael Saunders, CFA

Mike Saunders, CFA, a Chartered Financial Analyst with over 30 years of experience in the investment industry, has quickly become a key member of the operations and investment teams of Ruggie Wealth Management in roles including investment analysis, trading, client billing, and compliance reporting. He also serves as a member of our investment management committee. 

Prior to joining Ruggie Wealth, Mike served as a portfolio manager of equity, fixed income and derivative securities for an institutional investment manager in New York.  In 1990, he started his own Registered Investment Adviser (RIA) firm in Delaware to serve small businesses and individuals.  After 22 years of operations, Mike left to become an investment manager for a large Single Family Investment Office (SFIO) where he developed investment strategy, directed investment operations and headed up trading.

He has a B.S. in Business Administration from Penn State and an M.S. in Management Science from Lehigh University.  In his spare time, he enjoys golf, swimming and biking. To welcome Mike, email him at msaunders@ruggiewealth.com or call him at 352.343.2700.

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