Thomas Ruggie is a CFP, ChFC-designated registered investment advisor at Destiny Family Office, based in Tavares, FL, with 34 years of industry experience. Thomas operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Estate Planning, High Net Worth, Insurance Planning, Investment Management, and 1 more.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $5.0M | 1.00% |
| $5.0M - $10.0M | 0.85% |
| $10.0M - $20.0M | 0.65% |
| $20.0M - $50.0M | 0.45% |
| $50.0M - $75.0M | 0.35% |
| $75.0M - $100.0M | 0.30% |
| $100M+ | 0.25% |
Fees are for the standard DFO discretionary wrap fee program. In certain instances, a wrap fee negotiable up to 1.45% may be negotiated with the client. If the Registrant elects to utilize separate account managers in a client’s portfolio, the client’s combined fee for Registrant’s management services and the fees charges by any third-party manager shall not exceed 2.5% of the client’s assets under management.
Fee Estimator
Location
2100 Lake Eustis Dr., Tavares, FL, 32778
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Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Other Business ActivitiesSells Insurance
Thomas is involved in various business activities, including passive investments, real estate ventures, and serving as President of Destiny Family Office. He also sells malpractice insurance to doctors, dedicating minimal time to this activity.
Employment History
Current Registrations
Destiny Family Office
Destiny Wealth Partners, LLC
Previous Registrations
Cwm, LLC
Asset Advisors of America, LLC
401k Generation
Purshe Kaplan Sterling InvestmentsBroker
Ruggie Wealth Management
LPL Financial Corporation
LPL Financial CorporationBroker
Ws Griffith Securities, INC.
Ws Griffith Securities, INC.Broker
Home Life Insurance CompanyBroker
State Registrations2 states
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.