Helping our clients achieve their financial goals is the basis of all we do at Ruggie Wealth Management. We recognize that integrity, accountability and trust are all critical elements in our relationship with every client.
For this reason, we believe that having the ability to provide independent and unbiased advice is paramount for both the success of our clients and our firm. We also believe that our compensation structure allows us to adhere to our goal of providing objective strategies that benefit our clients, not our firm.
Our approach to forming an investment strategy is based upon:
• Proactive management of a portfolio. We utilize a tracking system developed to track and analyze any investment position held at the firm.
• Both an active and passive investment strategy. For efficient investments we utilize passive holdings (indexes, exchange traded funds, etc.) and for investments we believe to be inefficient, we actively manage the portfolio with various investment vehicles.
• Our clients needing total return on their assets, not just income and dividends. We have developed an efficient strategy for clients with income needs from their investment portfolios.
On timing the market:
The all-too popular assumption that it is possible to accurately predict the actions of the stock market in order to buy, sell or shift portfolio assets accordingly to achieve the highest possible profit is baseless. Instead, Ruggie Wealth Management evaluates a client's investment timeframes, then determines the proper course of action based upon all relevant factors. True wealth-building is achieved in this manner.