2100 Lake Eustis Dr.
Tavares, FL 32778
(352) 343-2700
Toll Free: (888) 343-2711

620 N. Denning Dr.
Winter Park, FL 32789
(407) 644-2701

Pinellas Plaza, #2520
(2520 Burnsed Blvd.)
The Villages, FL 32163
(352) 343-2700

How Will I Know If Ruggie Wealth Will Be The Right Advisor for Me?

Answer:

If you appreciate the benefit of delegating tasks to proven professionals, see the value of a comprehensive planned approach to retirement, and wish to build a relationship with a trusted adviser, then we may be a very good fit for you.

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What is a Registered Investment Advisor (RIA)?

Answer:

A Registered Investment Advisor, also abbreviated as “RIA”, is a legal term for an investment manager who is registered with the Securities and Exchange Commission (“SEC”). Ruggie Wealth Management is an RIA.

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What Does it Mean to Be Independent?

Answer:

Our investment recommendations are based on objective analysis and thorough due diligence…in other words, we are completely independent and unbiased in our investment product recommendations.  We use a combination of money managers, exchange traded funds, individual stocks and bonds and where appropriate, some alternative investments.

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What Is A Fiduciary?

Answer:

Simply put, a fiduciary is someone who has a legally enforceable obligation to put your interests first. In the investment community, a fiduciary will always make sure that you are getting the best investment for your situation. This is different from most of the large broker-dealer companies that are only required to offer you a suitable investment option. There can be a big difference between what’s best for you compared with what’s merely suitable for you.

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Does Ruggie Wealth Have a Minimum Asset Level for Clients?

Answer:

We believe the long-term objectives of our clients are more important than their initial assets under management. With our strategic partnerships and alliances we feel it is possible to provide guidance to address each client’s unique situation.

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Who Takes Care of My Portfolio?

Answer:

Your Ruggie Wealth Team is headed up by an advisor/portfolio manager and may include a paraplanner, client relationship manager and primary client service manager. While we often delegate paperwork to our staff members, we never delegate advice. Depending on your question, we can also involve your CPA, attorney, insurance specialist or other advisor. We are committed to addressing your questions thoroughly and promptly with the right people.

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If I Have Questions Regarding My Account, Will There Be a Dedicated Professional I Can Talk To?

Answer:

Yes, portfolio managers are assigned to each client account so that you have ready access and may have your questions answered promptly.

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Will the Assets in My Account Be In My Name and Where Will They Be Held?

Answer:

Yes, all client assets are managed in individual accounts which are in the client or client entities’ name. They may be held at various custodians including LPL, TD Ameritrade or Charles Schwab.

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Will Ruggie Wealth Management Act as a Broker?

Answer:

No, we are neither a broker nor a custodian.

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How Does Ruggie Wealth Management Get Compensated?

Answer:

We are a fee-based advisor. This means our only compensation is a modest fee based on the size of your portfolio. This keeps our interests aligned with yours: The better you do, the better we do.

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Do You Have Full Discretion In Managing My Investment Accounts?

Answer:

Yes, normally assets are managed on a discretionary basis. Our discretion is limited to investment activity. We are not able to withdraw funds from your account, with the exception of quarterly investment management fees.

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Will Ruggie Wealth Work with My Existing Team of Professionals?

Answer:

Yes, the firm typically works closely with your CPA, attorney, and other advisors.

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What Are the Steps Involved to Become A Client?

Answer:

We have created a unique four-step approach which puts verbs in sentences and strategies into action. Click here to take the next step.

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Client Login

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LPL

Charles Schwab

TD Ameritrade

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