Ruggiero Investments

What Ruggiero Investments does

Ruggiero Investments is an independent Registered Investment Advisor (RIA) registered with the SEC, founded in 2013 by Thomas A. Ruggiero after a roughly 40-year career in senior executive roles at JP Morgan Chase, Citigroup, Citibank, and HSBC. The firm delivers fiduciary investment advisory and comprehensive financial planning to individuals, families, trusts, corporations, and non-profit organizations, operating from four offices across Florida (West Palm Beach, Fort Lauderdale, Melbourne) and New York (Port Jefferson, headquarters). Core products encompass financial planning, tailored portfolio management, ERISA plan administration (401k/403b/457), retirement planning, college planning, business succession planning, and trust/estate coordination, with investment solutions spanning stocks, bonds, mutual funds, ETFs, UITs, structured products, annuities, 1031 exchanges, and tax-advantaged accounts.

The product stack is built on third-party financial planning, portfolio management, and market analysis software rather than proprietary technology. The firm monetizes primarily through recurring asset-based advisory fees on managed portfolios and flat-rate fees for transactional services, with publicly disclosed pricing for estate planning packages delivered via a partnership with Estately (FreeWill Co.): $1,200 for individuals, $2,000 for couples, and $149 per deed transfer. Marketing channels emphasize direct, relationship-driven advisor outreach, complimentary portfolio reviews, Calendly-scheduled consultations, online account opening, email newsletter capture, and PR content (Robert Irvine Magazine feature, podcast appearances).

The go-to-market is sales-led and revolves around financial advisors engaging clients directly across four offices and supporting inbound via toll-free phone lines and email. Revenue diversification beyond AUM fees is intentionally limited: estate planning package fees are disclosed as a single-digit revenue contributor, while three wholly-owned affiliates - Ruggiero Insurance Agency, Ruggiero Group Benefits Agency, and Ruggiero Consulting - extend the offering into insurance, retirement plan administration support, and consulting. The firm is privately held with no disclosed external institutional investors, and leadership is concentrated in the Ruggiero family (Thomas A. as CEO, Thomas W. as President, Christopher T. as EVP).

Name

Ruggiero Investments

Legal name

Ruggiero Investments

Website

https://ruggieroinvestments.com/

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Ruggiero Investments is an SEC-registered independent RIA that delivers fiduciary financial planning, tailored portfolio management, and ERISA plan administration to individuals, families, trusts, businesses, and non-profits across offices in Florida and New York.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Investment Management Advisory (RIA) (FSAEAAAB)

akta.pro secondary industries

Financial Planning–Led RIAs (FSAAACAB), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF), Estate Planning & Trust Structuring Advisory (FSAEAKAC)

Keywords

• Wealth management services
• Investment advisory
• Portfolio management
• Financial planning
• Retirement planning

Headquarters

HQ city

West Palm Beach

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Financial Advisory and Portfolio Management Fees: Ruggiero Investments generates revenue through financial advisory fees for portfolio management and financial planning services provided to individual clients, trusts, corporations, and non-profit organizations. As a registered investment advisor (RIA), the firm charges fees based on assets under management or flat-rate advisory fees for financial planning services.
2. Estate Planning Services: The firm offers estate planning packages through a partnership with Estately (FreeWill Co.). Revenue is generated from estate planning service fees including Individual Estate Planning Package ($1,200), Married Couple Estate Planning Package ($2,000), and Deed Transfer services ($149 per deed).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Ruggiero Investments is an SEC-registered Independent Registered Investment Advisor (RIA) that delivers fiduciary investment advisory, portfolio management, and comprehensive financial planning services to individuals, families, trusts, corporations, and non-profit organizations. The firm manages portfolios across stocks, bonds, ETFs, mutual funds, CDs, structured products, UITs, REITs, and 1031 exchanges, and offers ERISA-compliant retirement plan management (401(k), 403(b), 457, SEP IRA, SIMPLE IRA) for businesses. Estate planning packages are provided in partnership with Estately (FreeWill Co.), covering revocable living trusts, wills, healthcare directives, and financial power of attorney documents.

Product overview

Ruggiero Investments is an Independent Registered Investment Advisor (RIA) firm providing comprehensive wealth management and financial advisory services. The firm operates as a single integrated platform offering financial planning, portfolio management, and retirement planning as core services, supported by tailored portfolio strategies and estate planning capabilities. The product suite includes investment solutions spanning managed portfolios (growth, income, and actively managed), individual securities (stocks, bonds, mutual funds, ETFs), alternative investments (structured products, UITs, annuities), and tax-advantaged accounts (IRAs, 401(k), 529 plans). Estate planning is delivered through a partnership with Estately, offering trust packages and deed transfer services. The firm serves individuals, families, trusts, businesses, and non-profits through offices in Florida and New York.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning service helping clients develop strategies to reach short-term and long-term financial goals, integrating multiple financial aspects into a cohesive plan with risk and opportunity assessment. For individuals, families, and trusts.
• Portfolio Management Active investment portfolio management service involving selection, monitoring, and adjustments to investments across stocks, bonds, mutual funds, ETFs, CDs, structured products, UITs, REITs, and 1031 exchanges to meet client financial goals while balancing risk and return. For individuals, families, trusts, businesses, and non-profits.
• Tailored Portfolio Strategies Customized portfolio construction aligned with individual financial goals, risk tolerance, and time horizon, avoiding one-size-fits-all approaches. For individual investors and families.
• Wealth Management Consultative service combining investment advisory with legal estate planning coordination, accounting, tax services, and retirement planning for affluent clients.
• Retirement Planning Comprehensive retirement income strategy development including identifying income sources, estimating expenses, implementing savings programs, and managing assets and risk. For individuals and families.
• College Planning Education savings planning utilizing 529 Plans and Coverdell Education Savings Accounts (ESA) for tax-advantaged college fund accumulation. For individuals and families.
• Business Planning Business plan development and succession planning services including buy-sell agreements for business owners and executives. For businesses and business owners.
• Estate Planning Estate planning services for asset preservation, management, and distribution after death, including trust establishment and coordination with attorneys and CPAs. Delivered through a partnership with Estately (FreeWill Co.). For individuals, families, and trusts.
• ERISA Plan Management Employee Retirement Income Security Act (ERISA) plan management including 401(k), 403(b), 457, SEP IRA, and SIMPLE IRA plans for businesses and corporations, supported by affiliate Ruggiero Group Benefits Agency.
• Individual Estate Planning Package Estate planning package including Revocable Living Trust, Financial Power of Attorney, Last Will of Testament, and Health Care Directive for individuals, priced at $1,200. Delivered through Estately partnership.
• Married Couple Estate Planning Package Estate planning package for married couples including comprehensive trust and directive documentation, priced at $2,000. Delivered through Estately partnership.
• Deed Transfer Service Real estate deed transfer service for clients who establish estate plans through the Estately partnership, priced at $149 per deed.

Quantifiable outcome

• Managed brokerage assets of $4.52 billion and generated $72 million in net revenues during Fortune 500 tenure
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• Estately (FreeWill Co.)coreStrategic or Co-development PartnerRuggiero Investments has partnered with Estately, a brand of FreeWill Co., to provide estate planning services to clients. The partnership enables the firm to offer comprehensive estate planning packages including revocable living trusts, wills, healthcare directives, and financial power of attorney documents. Estately handles the legal documentation while Ruggiero provides financial guidance and investment management services.
• Ruggiero Consulting, LLCcoreOthersAffiliate company providing consulting services. Part of the Ruggiero Investments family of companies offering comprehensive financial services.
• Ruggiero Insurance Agency, LLCcoreOthersAffiliate insurance agency offering health, life, and annuity insurance coverage. Provides insurance products to complement investment and financial planning services offered by Ruggiero Investments.
• Ruggiero Group Benefits Agency, LLCcoreOthersAffiliate agency providing group benefits services including 401k, 403b, and 457 plan administration support. Works with Ruggiero Investments on ERISA plan management for business clients.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Mariner Wealth Advisors: Full-service RIA delivering financial planning, investment management, tax, retirement, and estate services to HNW clients — directly comparable service mix and target client base to Ruggiero Investments.
• Creative Planning: Large independent RIA offering comprehensive financial planning, portfolio management, retirement, and estate services to individuals and businesses — closely aligned with Ruggiero's integrated advisory model, though at materially larger scale.
• Hightower Advisors: RIA partnership platform serving individuals, families, and institutions with wealth management, retirement plan, and financial planning services — comparable business model and multi-advisor structure.
• Carson Group: RIA and coaching platform serving financial advisors and their clients with holistic financial planning, investment management, and retirement services — comparable full-service RIA offering.
• Sanctuary Wealth: RIA platform supporting breakaway advisors with wealth management, financial planning, and estate services for HNW clients — directly comparable in advisor-led RIA distribution model.
• Mercer Advisors: National RIA providing wealth management, financial planning, estate, tax, and retirement plan services to HNW individuals and families — direct comparable in integrated RIA offering.

Broad incumbents

• Edelman Financial Services: Large established RIA offering financial planning, investment management, and estate services nationally — comparable offering but operates at significantly larger scale with broader geographic reach.
• Focus Financial Partners: RIA partnership and wealth management firm supporting independent advisor firms across the U.S. — comparable RIA services but operates as a much larger aggregator and capital partner.
• Cetera Financial Group: Large independent broker-dealer and RIA network offering financial planning, retirement, and investment services — broader incumbent with overlapping capabilities to Ruggiero.
• Commonwealth Financial Network: Large independent RIA and broker-dealer serving individuals and businesses with financial planning, retirement plan, and investment management services — broader incumbent in the same RIA category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/RuggieroInvest

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ruggiero Investments