Michelle M. Ruddy

VWR FINANCIAL ADVISORY SERVICES

ALPHA, OH

Some features on this profile are disabled

CRD#: 3137605

Professional summary

Michelle Marie Ruddy, CFP® is a registered financial advisor currently at VWR FINANCIAL ADVISORY SERVICES located in Alpha, Ohio and SILVER OAK SECURITIES, INCORPORATED located in Beaver Creek, Ohio.

Michelle is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1998. Michelle has worked at 4 firms and has passed the Series 63, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

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.

Sapphire Income Solutions, LLC S.I.S. dba VWR Financial Advisory Services",Is Investment Related,"P.O. BOX 110, 789 Alpha Road, ALPHA, OH, 45301, United States",State Registered Investment Advisor,COO,2/1/2024,160 hours per month,160 hours per month during trading hours,Fee Based Compensation,Ohio Registered Investment Advisory Firm providing financial advisory services for a fee. Assets held at Schwab and Nationwide Advisory Services.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michelle Marie Ruddy'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^®

Certified Financial Planner

Start date: 2007

Experience

Current

January 2, 2025 - Present

VWR FINANCIAL ADVISORY SERVICES

RIA

CRD#: 330461

ALPHA, OH

Current

September 1, 2020 - Present

SILVER OAK SECURITIES, INCORPORATED

RIA

CRD#: 46947

Beaver Creek, OH

Past

December 3, 2008 - December 31, 2024

VWR FINANCIAL ADVISORY SERVICES

RIA

CRD#: 120235

BEAVERCREEK, OH

Past

December 16, 1998 - August 31, 2020

SECURITIES SERVICE NETWORK, LLC

CRD#: 13318

BEAVER CREEK, OH

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.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

Arizona
(2/9/2024)

Florida
(2/9/2024)

Kentucky
(11/12/2024)

North Carolina
(2/9/2024)

Ohio
(9/1/2020)

IAR

Ohio
(1/2/2025)

South Carolina
(2/9/2024)

Tennessee
(2/28/2024)

Washington
(2/9/2024)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

Series 63

Date: 6/30/2001

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 12/15/1998

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

VWR FINANCIAL ADVISORY SERVICES

S.I.S. DBA VWR FINANCIAL ADVISORY SERVICES | VWR FINANCIAL ADVISORY SERVICES | SAPPHIRE INCOME SOLUTIONS, LLC

CRD#: 330461 / SEC#:

Ohio

Registered Investment Advisory firm - (3/18/2024 Approved)

Upgrade to AdvisorCheck Premium

Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.

Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.

See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.

Contact information

Main Address

Alpha, OH

Mailing Address

P.o. Box 110, Alpha, OH 45301

Phone number

(937) 427-1227

Established

Firm type

Fiscal year end

# of Employees

Documents

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	175
AUM (Assets Under Management)	$ 20,200,000

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

Similar Advisors

Stephen Zahka

EDWARD JONES

IAR

Marlborough, MA

Frank Moore

UBS FINANCIAL SERVICES INC.

IAR

Greenwich, CT

Marshall Rosen

OSAIC WEALTH, INC.

IAR

Fort Lauderdale, FL

Why Advisor Check

We're Here To Help

Advisor Monitoring

Firm Stability Insights

Michelle M. Ruddy

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michelle Marie Ruddy's CRS (Customer Relationship Summary).

Certified licenses

Experience

VWR FINANCIAL ADVISORY SERVICES

SILVER OAK SECURITIES, INCORPORATED

VWR FINANCIAL ADVISORY SERVICES

SECURITIES SERVICE NETWORK, LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 6/30/2001

SIE

Date: 10/1/2018

Series 7

Date: 12/15/1998

FINRA

Current Firm

VWR FINANCIAL ADVISORY SERVICES

Contact information

Documents

Regulatory assets under management

Red Flags

Company Information

VWR FINANCIAL ADVISORY SERVICES

TRUST BUT VERIFY

Similar Advisors