# Ruggie Wealth Management

Ruggie Wealth Management is a Bank / Wealth / Trust based in Tavares, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Tavares, United States
- **Region:** North America
- **Address:** Tavares, FL, United States
- **Founded:** 1991
- **Assets under management:** Undisclosed
- **Website:** ruggiewealth.com
- **LinkedIn:** https://www.linkedin.com/company/ruggie-wealth-management

## Regulatory record

- **Reports private funds:** No

## About

Ruggie Wealth Management was founded by Tom Ruggie in 1991 and is headquartered in Tavares, Florida. Ruggie built the firm as a fiduciary registered investment advisor serving high-net-worth individuals, families, and small businesses. Over three decades it grew from a single office to five Florida locations, including The Villages, Winter Park, Jacksonville, and Boca Raton. Its core client base remains pre-retirees and retirees across central and south Florida. The firm's strategy sits squarely in wealth management, financial planning, and portfolio management. Its proprietary approach, The Retirement Distribution Strategy, focuses on sustainable retirement income, tax-efficient withdrawal sequencing, and Social Security optimization. Investment management and advisory services are delivered by a team of credentialed professionals including CFPs, ChFCs, and CPAs. Geographic coverage spans five metropolitan areas across Florida. Ruggie Wealth Management employs roughly 22 professionals spread across its five offices. The firm operates under the Destiny Wealth brand. In 2026, Tom Ruggie was named to the InvestmentNews Top Financial Professionals list (per InvestmentNews, 2026). The firm has also received industry recognition including a Forbes Top 250 RIA Firms listing. Ruggie's structural differentiator is its reliance on a single-client-advisor model within a fiduciary framework. Rather than segmenting clients into service tiers, each household is paired with a dedicated advisor who designs a bespoke plan. This personal relationship model is paired with the firm's proprietary Wealth Scorecard assessment tool, which identifies gaps between current positioning and stated retirement goals before any portfolio mandate is drafted.

## Sectors

- Wealth Management
- Financial Planning
- Investment Management

## Offices

- Winter Park, FL
- Jacksonville, FL
- The Villages, FL
- Boca Raton, FL

## People

- Tom Ruggie — Founder
- Audrey Mancuso — CFP®
- Brian Davis — CEPA®
- Rob Clark — CFP®
- Chris Nichols — Advisor
- Jorge A. Romero — CFP®

## Questions

### Who runs investment decisions at Ruggie Wealth Management?

Tom Ruggie founded the firm and remains the central investment and strategic voice. The advisory team includes multiple CFPs, CPAs, and ChFCs who design and execute client portfolios. Each client is paired with a dedicated advisor who structures the household investment plan.

### How does Ruggie Wealth source its clients?

Ruggie relies on its five Florida office locations and its proprietary Wealth Scorecard digital assessment tool. The Scorecard generates a personalized retirement readiness report and serves as a lead-generation funnel. Referrals from existing clients supplement walk-in and digital inquiries.

### Which sectors does Ruggie Wealth avoid in client portfolios?

Ruggie does not publicly list excluded sectors. Its marketing emphasizes retirement income planning and goal-based wealth management rather than thematic or sector-specific investing. Portfolio construction starts with client risk tolerance and income needs, not sector conviction.

### What is The Retirement Distribution Strategy?

It is Ruggie's proprietary framework for helping pre-retirees and retirees build sustainable retirement income. The process evaluates tax-efficient withdrawal strategies, optimal Social Security timing decisions, and sequence-of-returns risk. It is not a product; it is the planning methodology embedded in client engagements across all offices.

## Related profiles

- [Ruggaard & Associates](https://altss.com/profile/ruggaard-associates)
- [RUG Ventures](https://altss.com/profile/rug-ventures)

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Last updated: 2026-06-03T20:00:00.000Z

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