Tavares | Winter Park | The Villages

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

Central Florida-Based Ruggie Wealth Management’s CEO Named for Seventh Time: Five 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: 2019, the seventh time Ruggie has earned this distinction, and the fifth straight year.

Barron’s publishes its 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 Ruggie Capital Group, 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 two books available on Amazon: Ruggie Rules and Financial Wellness: How to Improve the Retirement Outcomes of Your Employees. Visit Ruggie Wealth Management online at ruggiewealth.com and become a follower on Twitter and a fan on Facebook.

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Thomas Ruggie, CHFC®, CFP® Named Among Forbes 2019 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. 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.”

SHOOK scours the financial services industry—banks, brokerages, custodians, insurance companies, clearing houses and others for nominations, and received 25,732 who met their thresholds. Of those, 9,596 were asked to take an online survey, followed by phone or onsite interviews. 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 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.

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 two books available on Amazon: Ruggie Rules and Financial Wellness: How to Improve the Retirement Outcomes of Your Employees. 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 Affiliates with Industry-leading Registered Investment Advisory Firm

Tavares, FL 7/2/18 –Ruggie Wealth Management, an independent investment and wealth management firm with three Central Florida locations, is excited to announce its alignment with Carson Group Partners, a partnership community of professional advisory firms across the U.S.

Thomas H. Ruggie, ChFC®, CFP®, President of Ruggie Wealth Management, will remain in charge of all business decisions and operations, and Ruggie Wealth Management will continue as an independent firm. The alignment highlights the close relationship between Ruggie, and his friend, mentor and financial coach of more than 15 years, Ron Carson CFP®, ChFC®, founder of Omaha-based Carson Wealth and Carson Group Partners. Both firms bring well-respected brands to the relationship and share a deeply-held commitment to delivering a proactive game plan and straightforward transparency to the clients they serve.

“We are excited to be aligning with a like-minded group of leading innovators who share a deep industry knowledge, vast network of specialized services, demonstrated investment strategies and abiding passion for serving clients,” said Ruggie.

“Our top priority has always been to help our clients pursue their long-term goals and aspirations. Because of this alignment, our bench strength and support for operational functions such as compliance and trading are being enhanced, as is our access to leading-edge technology following Carson’s $52 million technology-platform investment. 

“Ron and I have been recognized among the nation’s most trusted advisors, and we are extremely excited for what our partnership will mean for our firm, our clients and the future of financial services,” added Ruggie.

“The marketplace is clamoring for high value, no matter the industry or profession,” said Carson. “Investors are demanding more and more from advisors. The Ruggie Wealth team recognized this shift taking place under our feet and made some extraordinary leaps in the future growth of their firm. Their clients will see the immediate effects by having increased access to more resources, fee/cost reduction, an innovative online experience, more investment options, enhanced high net-worth planning and succession strategies.”

In addition to being a mainstay in the Barron’s annual list of top wealth management firms, Carson Group was recently added to the Inc. 5000 list of America’s fastest growing companies, the Forbes list of America’s Top Wealth Advisors and was recognized by InvestmentNews as one of a select few Innovators in financial services.

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About Ruggie Wealth Management

The flagship company of Central-Florida-based Ruggie Capital Group, Ruggie Wealth Management manages individual and corporate wealth, as well as the assets of select endowments and foundations. For more than 25 years, Founder Tom Ruggie has leveraged his entrepreneurial spirit, investment strategy and steadfast dedication to client service into a nationally-recognized firm which, along with its principals, advises on nearly $650 million in assets. Ruggie Wealth has been recognized among America’s Top 1200 Financial Advisors six times by Barron’s, among America’s Top 300 Advisors three times in a row by the Financial Times, and Ruggie serves on the Forbes Finance Council.  He is also a philanthropist who founded The Tom and Kim Ruggie Family Foundation. Visit them at ruggiewealth.com, 352.343.2700 or by email at truggie@ruggiewealth.com.

*Barron’s magazine, October 20, 2014 issue. The Barron’s rankings are based on data provided by over 4,000 of the nation’s most productive advisors. Factors included in the rankings: assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work. Investment performance isn’t an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients’ risk tolerance than by an advisor’s investment-picking abilities. 

Investment advisory services offered through RWM Asset Management, LLC, Ruggie Capital Group, Inc. and CWM, LLC, these firms are SEC Registered Investment Advisors. Carson Group Partners, a division of CWM, LLC, is a nationwide partnership of advisors. RWM Asset Management, LLC, Ruggie Capital Group, Inc. and CWM, LLC are unaffiliated investment advisory firms.

www.ruggiewealth.com

P:: 352.343.2700   |   F:: 352.742.2607   |   2100 Lake Eustis Dr.   |   Tavares, FL 32778

Investment advisory services offered through RWM Asset Management, LLC, Ruggie Capital Group, Inc. and CWM, LLC. These firms are

SEC Registered Investment Advisors. Carson Group Partners, a division of CWM, LLC, is a nationwide partnership of advisors.

RWM Asset Management, LLC, Ruggie Capital Group, Inc. and CWM, LLC are unaffiliated investment advisory firms.

RWM Ahead of the Curve: Why the Fiduciary Rule is Important

The Department of Labor (DOL) Fiduciary Rule, expanding the “investment advice fiduciary” definition under the Employee Retirement Income Security Act of 1974 (ERISA), requires that all financial professionals who work with retirement plans or provide retirement planning advice act as a fiduciary, bound legally and ethically to ‘act in the best interest of their clients, and put their clients’ interests above their own.”

It leaves no room for advisors to conceal any potential conflict of interest, and states that all fees and commissions must be clearly disclosed to clients.

Ruggie Wealth Management was well ahead of the curve, choosing to be bound by fiduciary standards to act in our clients’ best interests a long time before the rule change.

Fiduciary is a much higher level of accountability than the suitability standard previously required of financial salespersons, such as brokers, planners and insurance agents, who work with retirement plans and accounts. The suitability responsibility merely meant that an advisor was legally required to make recommendations that were “suitable” for a client’s objective.

It is expected those advisors who work on commission, such as brokers and insurance agents, will be impacted the most.

We applaud the new ruling, and believe it will increase and streamline transparency, and most of all, help to prevent abuses on the part of financial advisors who resort to excessive commissions and investment churning for reasons of compensation.

If you’d like to know more about how working with a fiduciary benefits you, call us at 352.343.2700 to talk with one of our Advisors.

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.

Ruggie Wealth Named to Barron’s 1200 Top Financial Advisors for Sixth 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: 2018. This is the sixth time Ruggie has earned this distinction, and the fourth 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.

Ruggie Wealth Management Adds New Partner Rob Clark, CFP®

Ruggie Wealth Management recently announced that veteran wealth manager Rob Clark, CFP® has joined the firm as a partner.

“I’m certainly excited about the new year, in large part due to the decision I’ve made to bring on Rob as my new partner,” said Ruggie. “I’ve known and worked with Rob since 2001, and he and I share a vision of Ruggie Wealth as a firm which provides excellent service, deep expertise, and best-in-class fee-only services and financial advice.”

With attention to detail and organizational skill, Rob effectively manages clients’ portfolios, creating an integrated strategy aimed at meeting their investment and retirement objectives.

Rob is a CERTIFIED FINANCIAL PLANNER™, holds a Bachelor’s degree from the University of Central Florida, and serves on the Orange County Children and Family Services Board, the Orange County Animal Services Classification Board, the UCF Alumni Association Board of Directors, and is Leadership Orlando Alumni.

A Florida native, Rob was born in Sarasota. He or his Advisor Assistant Maria Stewart can be reached at rclark@ruggiewealth.com or in our Winter Park office at 407.644.2701. Please welcome him to our team.

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