Kurt H. Ruoff

CYPRESS FINANCIAL PLANNING

Haddon Heights, NJ 08035

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CRD#: 5432756

Professional summary

Kurt Herman Ruoff, CFP® is a registered financial advisor currently at CYPRESS FINANCIAL PLANNING located in Haddon Heights, New Jersey.

Kurt is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2007. Kurt has worked at 3 firms and has passed the Series 66, SIE, Series 31, Series 7 and Series 53 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.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Kurt Herman Ruoff's CRS (Customer Relationship Summary).

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: 2015

Experience

Current

May 29, 2020 - Present

CYPRESS FINANCIAL PLANNING

Office #1: 400 White Horse Pike, Haddon Heights, NJ 08035

RIA

CRD#: 151014

Haddon Heights, NJ

Past

July 28, 2011 - June 5, 2020

MORGAN STANLEY

CRD#: 149777

MARLTON, NJ

Past

July 5, 2011 - June 5, 2020

MORGAN STANLEY

RIA

CRD#: 149777

MARLTON, NJ

Past

March 27, 2008 - July 10, 2009

TD WEALTH MANAGEMENT SERVICES INC.

RIA

CRD#: 6940

CHERRY HILL, NJ

Past

December 19, 2007 - July 10, 2009

TD WEALTH MANAGEMENT SERVICES INC.

CRD#: 6940

CHERRY HILL, NJ

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".

CYPRESS FINANCIAL PLANNING

CYPRESS FINANCIAL PLANNING | CYPRESS FINANCIAL PLANNING, LLC

CRD#: 151014 / SEC#: 801-112700

RIA

Registered Investment Advisory firm - (3/26/2018 Approved)

Delaware

Registered Investment Advisory firm - (3/29/2018 Terminated)

Maryland

Registered Investment Advisory firm - (4/6/2018 Terminated)

New Jersey

Registered Investment Advisory firm - (4/12/2018 Terminated)

New York

Registered Investment Advisory firm - (3/28/2018 Terminated)

Pennsylvania

Registered Investment Advisory firm - (3/29/2018 Terminated)

Virginia

Registered Investment Advisory firm - (3/28/2018 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

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

New Jersey
(6/1/2020)

IAR

Texas
(6/20/2022)

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.

Exams

State Security Law Exam

IAR

Series 66

Date: 8/16/2011

Uniform Combined State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 31

Date: 8/22/2011

Futures Managed Funds Examination

General Industry/Product Exam

Series 7

Date: 12/18/2007

General Securities Representative Examination

Principal/Supervisory Exam

Series 53

Date: 6/21/2010

Municipal Securities Principal Examination

Current Firm

CYPRESS FINANCIAL PLANNING

CYPRESS FINANCIAL PLANNING | CYPRESS FINANCIAL PLANNING, LLC

CRD#: 151014 / SEC#: 801-112700

RIA

Registered Investment Advisory firm - (3/26/2018 Approved)

Delaware

Registered Investment Advisory firm - (3/29/2018 Terminated)

Maryland

Registered Investment Advisory firm - (4/6/2018 Terminated)

New Jersey

Registered Investment Advisory firm - (4/12/2018 Terminated)

New York

Registered Investment Advisory firm - (3/28/2018 Terminated)

Pennsylvania

Registered Investment Advisory firm - (3/29/2018 Terminated)

Virginia

Registered Investment Advisory firm - (3/28/2018 Terminated)

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Contact information

Main Address

400 White Horse Pike, Haddon Heights, NJ 08035

Mailing Address

Phone number

(856) 720-0029

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (10 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

11 20 2025 CYP FORM ADV PART 2A AND 2B FINAL (11/20/2025)

Regulatory assets under management

Total Number of Accounts	1,509
AUM (Assets Under Management)	$ 394,972,037

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.

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Kurt H. Ruoff

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Kurt Herman Ruoff's CRS (Customer Relationship Summary).

Certified licenses

Experience

MORGAN STANLEY

MORGAN STANLEY

TD WEALTH MANAGEMENT SERVICES INC.

TD WEALTH MANAGEMENT SERVICES INC.

Primary Firm SEC Registration

CYPRESS FINANCIAL PLANNING

State Registrations and Notice Filings

Exams

Series 66

Date: 8/16/2011

SIE

Date: 10/1/2018

Series 31

Date: 8/22/2011

Series 7

Date: 12/18/2007

Series 53

Date: 6/21/2010

Current Firm

CYPRESS FINANCIAL PLANNING

Contact information

SEC notice filing (10 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

CYPRESS FINANCIAL PLANNING

TRUST BUT VERIFY

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