Ruggie Wealth Management’s investment strategy reflects our belief that the days of simply buying and holding a portfolio of stocks, bonds or mutual funds are long gone. Today, dozens of asset classes with broad diversification are available to help protect your portfolio against extreme market volatility. Ruggie Wealth Management looks at the entire global financial market to find these opportunities.
Our team goes through a comprehensive discovery process to learn who you are, what’s important to you, and what your interests, values and dreams are. We then go through a strategic proprietary process to help you set an investment course which evaluates the correlation between the money you have, the money you need and when you will need it. Once your investment course is set, we are here to stand beside you as you face every significant financial decision throughout your lifetime.
We believe that having a well thought-out, understandable strategy, which helps protect portfolios and provide opportunity for growth, will provide financial confidence for our clients.
With nearly 30 years of experience, we’ve had many opportunities to vet and re-evaluate our investment options. Today, we have more bench strength than ever as we’ve aligned ourselves with Mercer Financial Intermediary Services/Mercer Research (Mercer), Vivaldi Capital Management’s Alternative Investment Platform, powered by Vivaldi Investment Research, (Vivaldi), and Nasdaq Dorsey Wright (NDW), an RIA that is a leading advisor to financial professionals around the world. They help provide us with a range of customized investment services including manager research and ratings, model portfolios, manager selection, consolidation of reporting, custom fund implementations and due diligence across the entire investable universe.
Every client portfolio is managed in-house. Because we seek to build long-term, exclusive, collaborative relationships with each client, we are able to build each portfolio — from the ground up — with careful security selection that is flexible enough to go well beyond equities and fixed income to sophisticated alternative investments.
Destiny – Our Multi-Family Office – provides comprehensive investment and life-planning solutions to affluent individuals, entrepreneurs, entertainers, athletes and their families, structuring and preserving their wealth for future generations in a profoundly personal and hands-on way which ensures the best-possible alignment of interest between our advisors and our clients.
Destiny Family Office is built on a broad range of expertise in the management of investments and portfolios, asset protection, budgeting, educational funding, and philanthropy.
Our professionals also align together diverse experts who can create a cohesive plan to provide or coordinate professional and lifestyle services such as legal, regulatory, communications, insurance, estate management, taxes, real estate, mergers and acquisitions, succession and board planning, technology, travel and leisure, and risk management.
Together, we work as one – focusing entirely on our clients’ needs, wants and goals to achieve their mission and goals.
With Founder and CEO Tom Ruggie’s 30 years of experience providing wealth management to entrepreneurial and innovative individuals, families and family firms, we understand the unique challenges they face — and how to address them.
The world has changed. Shouldn’t your investment strategy?
We believe buy and hold is not a prudent investment strategy. Instead, Ruggie Wealth Management’s Advance & Protect Strategy takes a pro-active rather than reactive approach to investment. Instead of simply buying investments and holding them in the hope they will keep rising in value, we carefully watch the markets and conduct research daily to try to spot trends early. That allows us to alter the make-up of portfolios if we believe conditions are going to change.
We provide our clients with a variety of ways to diversify their assets and to potentially earn greater risk-adjusted returns on those investments. We remain actively involved in research on niche and alternative opportunities to help us identify opportunities that may be overlooked by other investors. These may include:
Customized Hedge Fund Portfolio Solutions
With our customized hedge fund portfolio services, you can access institutional-quality hedge fund portfolios and invest like the world’s most sophisticated investors.
Alternative investments are intended for Qualified Investors (defined as $5M investment net worth) and Accredited Investors (defined as $1M investment net worth) only. The Destiny Alternative Funds are customized fund solutions that provide access to a diversified portfolio of private alternative investments within a single entity. Alternative Investments such as hedge funds, private equity funds, and funds of funds can result in higher return potential but also higher loss potential. Changes in economic conditions or other circumstances may adversely affect your investments. Before you invest in alternative investments, you should consider your overall financial situation, how much money you have to invest, your need for liquidity, and your tolerance for risk. Alternative investments are speculative and involve a high degree of risk