Thomas H. Ruggie
DESTINY WEALTH PARTNERS | CEO
Tavares, FL 32778
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CRD#: 2193305
Professional summary
Thomas Huey Ruggie, CFP®, ChFC®, CLU®, who also goes by Tom Ruggie, is a registered financial advisor currently at DESTINY WEALTH PARTNERS, LLC located in Tavares, Florida.
Thomas is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1992. Thomas has worked at 10 firms and has passed the Series 63, SIE, Series 7, Series 6 and Series 24 exams.
Biography
A 30-year veteran of the investment and financial planning industries, Tom Ruggie, ChFC®, CFP® began
his career in 1991 and subsequently founded Ruggie Wealth Management, the flagship company of
independent RIA Destiny Wealth Partners, to serve individuals, small businesses, foundations and other
non-profit organizations.
With Central Florida-offices in Tavares, The Villages and Winter Park, Ruggie Wealth Management is
joined as a Destiny Wealth Partners’ firm by KCG Investment Advisory Services, Savannah, GA, and
Destiny Family Office, Winter Park, which Tom founded in 2016.
Tom helps clients, including high-net-worth and ultra-high-net-worth individuals and families, better
manage complexity, so they can have more time to enjoy what is most important — now and into the
future.
He has been quoted in media including The Wall Street Journal, New York Times, CNN Money, CNBC,
and Fox Business News, and published on Forbes.com, and has received national recognition as a top
investment advisor by organizations including:
10X Barron’s Top 1200 Financial Advisors
#4 Forbes Best-In-State Wealth Advisors 2022 (North Florida)
11X Financial Advisor Top RIA Firms
Forbes Finance Council 2016-22
Question & Answer
What are your service offerings?
Trust & estate planning
Trading individual securities
Financial planning
Philanthropic services
Retirement planning
What is your current number of clients?
Greater than 100
What is your minimum asset requirement?
250K
Are you a "fiduciary"?
Yes
Aliases
Tom Ruggie
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
1. MUSEUM OF CRIME AND PUNISHMENT; former RWM client and investor; mutual client, no compensation; capital investment in museum start-up, located in Washington DC; Thomas Ruggie Invested $100,000. Not investment related. 0 hours per month; 0 hours per month during trading hours. 2. RUSO, LLC; Partnership set up with client to invest into various ventures; Partner; started in 2020; investment related; 1 hour per month, 1/2 hour during trading hours. 3. FLORIDA MEZZANINE FUND; PASSIVE INVESTMENT; Private mezzanine financing company; Start date: 3/7/2001. Investment related. 1 hour per month, 1 hour per month during trading hours. 4. WINTER PARK ANGELS; PASSIVE INVESTMENT; Private entity; Start date: 01/2008. Investment related. 1 hour per month, 1 hour per month during trading hours. 5. Destiny Family Office, 2100 Lake Eustis Drive, Tavares, FL 32778; Full service financial & lifestyle assistance for high net worth clients/families; Focuses specifically on high net worth clients/families to provide superior financial and other lifestyle assistance. President, 1/1/2016-present; Investment related; 40 hours per month, 40 hours during trading hours. 6. OUTSIDE SALES OF NON-VARIABLE INSURANCE/INDEPENDENT FIXED INSURANCE BUSINESS/PROPERTY AND CASUALTY; 2100 Lake Eustis Drive, Tavares, FL 32778, FL. 05/14/04. Sell malpractice insurance to doctors. Not investment related. 3 hours per month, 1 hour per month during trading hours. 7. RUMO, LLC/50-50 split with Tony Moreno (LPL REP ID #0K1B) for the purpose of real estate investments/2100 Lake Eustis Drive, Tavares, FL 32778, FL. 05/25/06. Not investment related. 1 hour per month, 0 hours per month during trading hours. 8. SOLICITORS AGREEMENT; May refer clients to MPRPC for management shared clients with current firm; 2100 Lake Eustis Drive, Tavares, Fl. 32778; Works with MORENO, PEELEN, RUGGIE, PINTO AND CLARK, A firm in Orlando that offers business planning and additional services complimentary to ours. Not investment related. 1 hour per month, 1 hour per month during trading hours. 9. TOM AND KIM RUGGIE FAMILY FOUNDATION. President and Treasurer. 01/2013. Not investment related. 10 hours per month, 1 hour per month during trading hours. 10. WUW PROPERTIES; 2800 West Old Hwy 441, Mount Dora, FL 32757; Property holding company; President; 04/2013. Owns real estate position. Not investment related. 2 hours per month; 0 during trading hours. 11. GBOOGS; 2100 Lake Eustis Dr, Tavares, FL 32778; property management; entity owns property which will become our new meeting offices in Winter Park. Owner; started 04/2014. Not investment related. 2 hours per month, 2 hours during trading hours. 12. TOES IN THE WATER HOLDINGS, LLC; partnership set up with client to invest into various ventures; Partner; started in 2020; investment related; 1 hour per month, 1/2 hour during trading hours.
CRS (Client Relationship Summary) - RIA
Click below to view Thomas Huey Ruggie's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 1999
Experience
Current
August 1, 2014 - Present
DESTINY WEALTH PARTNERS, LLC
Office #1: 2100 Lake Eustis Dr., Tavares, FL 32778RIA
CRD#: 171346
Tavares, FL
Current
September 22, 2025 - Present
Office #1: 2100 Lake Eustis Dr, Tavares, FL 32778
TAVARES, FL
Past
July 11, 2018 - July 1, 2020
CWM, LLC
RIA
CRD#: 155344
Tavares, FL
Past
December 19, 2013 - November 19, 2020
ASSET ADVISORS OF AMERICA, LLC
RIA
CRD#: 146566
LONGWOOD, FL
Past
November 8, 2010 - June 10, 2014
401K GENERATION
RIA
CRD#: 154279
TAVARES, FL
Past
June 17, 2010 - October 4, 2016
PURSHE KAPLAN STERLING INVESTMENTS
BD
CRD#: 35747
TAVARES, FL
Past
July 31, 2008 - January 7, 2021
RUGGIE WEALTH MANAGEMENT
RIA
CRD#: 145595
TAVARES, FL
Past
May 13, 2004 - June 9, 2009
LPL FINANCIAL LLC
RIA
CRD#: 6413
TAVARES, FL
Past
May 6, 2004 - October 7, 2009
LPL FINANCIAL LLC
BD
CRD#: 6413
TAVARES, FL
Past
August 11, 1995 - May 28, 2004
WS GRIFFITH SECURITIES, INC.
RIA
CRD#: 10410
TAVARES, FL
Past
January 7, 1992 - October 19, 1992
HOME LIFE INSURANCE COMPANY
BD
CRD#: 4184
Past
January 7, 1992 - May 28, 2004
WS GRIFFITH SECURITIES, INC.
BD
CRD#: 10410
HARTFORD, CT
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
DW
DESTINY WEALTH PARTNERS, LLC
DESTINY 401(K) | SMART ASSETS OPTIMIZER | SMART ASSET OPTIMIZER | RWM ASSET MANAGEMENT, LLC | RUGGIE WEALTH MANAGEMENT | NICHOLS WEALTH PARTNERS | KCG INVESTMENT ADVISORY SERVICES | EDGE SOLUTIONS | EDGE 401K SOLUTIONS | EDGE 401K FUNDS | DESTINY WEALTH PARTNERS, LLC | DESTINY WEALTH PARTNERS | DESTINY WEALTH MANAGEMENT | DESTINY FAMILY OFFICE | DESTINY 401K
CRD#: 171346 / SEC#: 801-79789
RIA
Registered Investment Advisory firm - (5/28/2014 Approved)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.Highlighted states indicate IAR registrations
IAR
Florida(8/1/2014)
IAR
Texas(2/11/2021)
Exams
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
Principal/Supervisory Exam
Current Firm
DW
DESTINY WEALTH PARTNERS, LLC
DESTINY 401(K) | SMART ASSETS OPTIMIZER | SMART ASSET OPTIMIZER | RWM ASSET MANAGEMENT, LLC | RUGGIE WEALTH MANAGEMENT | NICHOLS WEALTH PARTNERS | KCG INVESTMENT ADVISORY SERVICES | EDGE SOLUTIONS | EDGE 401K SOLUTIONS | EDGE 401K FUNDS | DESTINY WEALTH PARTNERS, LLC | DESTINY WEALTH PARTNERS | DESTINY WEALTH MANAGEMENT | DESTINY FAMILY OFFICE | DESTINY 401K
CRD#: 171346 / SEC#: 801-79789
RIA
Registered Investment Advisory firm - (5/28/2014 Approved)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
2100 Lake Eustis Dr., Tavares, FL 32778
Mailing Address
Phone number
(352) 343-2700
Established
Firm type
Fiscal year end
# of Employees
26
SEC notice filing (21 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 3,030 |
| AUM (Assets Under Management) | $ 1,125,679,810 |
Red Flags
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Company Information
DESTINY WEALTH PARTNERS, LLC
CEOCRD#: 171346Tavares, FL 32778TRUST BUT VERIFY
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Contact information
(xxx) xxx-xxxx
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