Tavares | Winter Park | The Villages

Our Spartans Crush It

Our team, comprised of Tom Ruggie, his son-in-law Dr. Jae Oh, son Christopher and Senior Wealth Advisor Jorge Romero finished the 2020 Spartan Race held in Fort McDowell, AZ. Spartan is the global leader in obstacle course racing challenging participants to push beyond their limits. They came in first among their financial team competitors – in under two hours. Aroo!

Thomas Ruggie, CHFC®, CFP® Named To Barron’s 1200 Top Financial Advisors

Central Florida-Based Ruggie Wealth Management’s CEO Named for Eighth Time: Six Years Straight

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: 2020, the eighth time Ruggie has earned this distinction, and the sixth straight year.

As Barron’s explains, they publish their annual Top 1200 Advisors by State compilation to recognize advisors demonstrating exceptional 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.

“It is an honor to again be ranked among our nation’s top financial advisors by one of the most respected names in the financial industry,” 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, for the strength of our processes and collective wisdom of our team, and for our unwavering focus on helping them achieve the financial goals they’ve been dreaming of and working for their whole lives. 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 RWM Asset Management, Ruggie Wealth Management offers a broad range of services and products to help clients achieve their financial goals.

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

The Barron’s Top 1200 Financial Advisors is a select group of individuals who are screened on a number of different criteria. Rankings are based on data provided by over 4,000 advisers from across the nation. Factors included in the rankings: assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work. Portfolio performance is not a factor. Please see www.barrons.com for more information. Ruggie Wealth Management has not paid a fee to be eligible for this award. Barron’s does not require membership or payment in order for award participants and/or applicants to be considered for an award designation.

About Tom Ruggie

Tom is a Chartered Financial Consultant (ChFC®), a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a veteran of the investment and financial planning industries who began his career in 1991 and subsequently founded Ruggie Wealth Management to serve individuals, small businesses and non-profit organizations. Tom’s entrepreneurial spirit, investment strategy and steadfast dedication to client service have allowed him to grow Ruggie Wealth Management and related-companies into a continuum of financial services. Tom Ruggie is also a philanthropist who founded The Tom and Kim Ruggie Family Foundation, and the author of three books available on Amazon: Ruggie Rules, Financial Wellness: How to Improve the Retirement Outcomes of Your Employees, and Ruggie WealthCare Retirement Scorecard. Visit Ruggie Wealth Management online at ruggiewealth.com.

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Thomas Ruggie, CHFC®, CFP® Named Among Forbes 2020 Standout Wealth Advisors

Ruggie Wealth Management announced that Founder and CEO Thomas H. Ruggie, ChFC®, CFP®, has been named to this year’s Forbes Best-In-State Wealth Advisors’ list which spotlights the top-performing advisors across the country. He was ranked #5 in North Florida. Determined by SHOOK Research, the list is based on an algorithm of qualitative and quantitative criteria, including in-person interviews, industry experience, assets under management, compliance records, those who encompass best practices in their practices and approach to working with clients, and community involvement.

“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. “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 be named to this list is an honor that reinforces we are doing what we set out to do on our clients’ behalf.”

According to SHOOK, “we scour the financial services industry—banks, brokerages, custodians, insurance companies, clearing houses and others for nominations.  Only about 2000 Advisors make the final listing.”

Unlike other advisor rankings, SHOOK Research creates rankings of role models—advisors who are leading the way in offering best practices and providing a high-quality experience for clients.

Neither Forbes nor SHOOK receive a fee in exchange for rankings.

Ruggie has received other national recognitions including being named to the Barron’s Top 1200 Advisors seven times and Financial Times Top 300 three times.

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 RWM Asset Management, Ruggie Wealth offers a broad range of services and products to help clients achieve their financial goals. 

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

About Tom Ruggie
Tom is a Chartered Financial Consultant (ChFC®), a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a veteran of the investment and financial planning industries who began his career in 1991 and subsequently founded Ruggie Wealth Management to serve individuals, small businesses and non-profit organizations. Tom’s entrepreneurial spirit, investment strategy and steadfast dedication to client service have allowed him to grow Ruggie Wealth Management and related-companies into a continuum of financial services. Tom Ruggie is also a philanthropist who founded The Tom and Kim Ruggie Family Foundation, and the author of three books available on Amazon: Ruggie Rules, Financial Wellness: How to Improve the Retirement Outcomes of Your Employees, and Ruggie WealthCare Retirement Scorecard. Visit Ruggie Wealth Management online at ruggiewealth.com and become a follower on Twitter and a fan on Facebook.

The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years’ experience, and the algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criterion due to varying client objectives and lack of audited data. Neither Forbes or SHOOK receive a fee in exchange for rankings.

Ruggie Wealth Management Named to 2018 Financial Times 300 Top Registered Investment Advisers

For the third year in a row, Ruggie Wealth Management is pleased to announce it has been named to the Financial Times 300 Top Registered Investment Advisers (RIAs) from among more than 12,000 SEC-registered RIAs across the U.S. 

“We’re very honored to receive recognition as one of the finest investment management firms by one of the world’s most prestigious and influential financial publications,” said Thomas H. Ruggie, ChFC®, CFP®, President of Ruggie Wealth Management.

“For 25 years, we’ve worked to make a meaningful improvement in the financial lives of our clients, and I believe this recognition is another wonderful yardstick by which to measure our team’s success,” he added.

More than 1,500 RIA firms were pre-screened prior to their consideration, and then evaluated across six criteria: assets under management (AUM); AUM growth rate; years in existence; advanced industry credentials of the firm’s advisers; online accessibility; and compliance records. There are no fees or other considerations required of RIAs that apply for the FT 300.

This is the fifth annual FT 300 list, produced independently by the Financial Times in collaboration with Ignites Research, a subsidiary of the Financial Times that provides business intelligence on the investment management industry.

According to them, “The final FT 300 represents an impressive cohort of elite RIA firms, as the “average” practice in this year’s list has been in existence for over 22 years and manages $4 billion in assets. The FT 300 Top RIAs hail from 38 states and Washington, D.C.”

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 developed a multi-family office called Destiny Family Office – which expands their continuum of services to high-net worth and ultra-high net worth clients.

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

The Financial Times 300 Top Registered Investment Advisers is an independent listing produced annually by the Financial Times (June 2018). The FT 300 is based on data gathered from RIA firms, regulatory disclosures, and the FT’s research. The listing reflected each practice’s performance in six primary areas: assets under management, asset growth, compliance record, years in existence, credentials and online accessibility. This award does not evaluate the quality of services provided to clients and is not indicative of the practice’s future performance. Neither the RIA firms nor their employees pay a fee to The Financial Times in exchange for inclusion in the FT 300.

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 more than 25 years, he has applied this sort of winning mentality to his wealth management business. 

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. 

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 eighth time. Whatever the hat, he believes 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 a firm that has been recognized among the top 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.

 

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

At Ruggie Wealth, our passion is to serve people and to see your financial goals come to life. 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.

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.

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.

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

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