Destiny Family Office


We are with you at each step along your journey, helping you better manage complexity.

We want to free you to enjoy what is most important to you — now and into the future.

Helping You Define, Pursue and Achieve What is Most Important

Destiny Family Office Venn Diagram

First Things First


Completing your Scorecard takes only minutes, but the insights you will gain into your situation may well be profound.


We’re confident this powerful tool will allow us to help you improve your financial mindset, provide clarity about where you are currently and where you want to be in essential indicators, punch holes in areas that are troubling you, and ultimately help provide you and your family the financial peace of mind you want and deserve.


Using the Scorecard requires a level of accountability by all parties. We believe you will instantly understand why this is the first step to building an extraordinary relationship.

Each Success Impacts the Future

Our diverse clients are united by the challenges of managing significant resources. Over time, every successful real-world experience informs the decisions we make for you. Through all of our interactions with clients and across all the relationships we share with them, privacy and confidentiality are paramount, and we hold ourselves to the highest standards as advocates for those we are privileged to serve. Understandably, when it comes to offering insight into the challenges we have successfully managed for our clients, we made the decision to keep such case studies private—managing ourselves to doing that which is in the best interest of the client.

Thinking Out Loud

Tom Ruggie has been quoted in media including The Wall Street Journal, New York Times, CNN Money, CNBC, and Fox Business News. Recently, he used his own experience as the owner of a sizable sports memorabilia collection as the impetus for an article published on During the height of the COVID-19 pandemic, he was asked for his insights by HFM Global on what COVID-19 disruptions meant for investors’ operations and investments.

Creating a Legacy of Continual Innovation

We’ve addressed what we see as an unanswered need in the investment and wealth management ecosystem for deep strategic thinking in key areas tailored to your situation, needs and goals. As a result, you are better able to navigate the complexity that exists at the intersection of your human, intellectual and financial capital.

Destiny Family Office Infographic

Principles We Live By

Make Excellence a Prerequisite

Be a Formidable Competitor

Seize Opportunities

Go Beyond Technical Knowledge

Challenge Convention

Act with Moral Courage

Lead Quietly

Simplify Lives

Destiny Alternative Funds

The Destiny Alternative Funds are customized fund solutions for Qualified Purchasers that provide access to a diversified portfolio of private alternative investments within a single entity. Portfolio allocations are made to a range of best-in-class private investment strategies differentiated by management group, asset class, duration, and sub-strategy. The Fund serves to minimize the operational burden inherent in accessing alternative strategies through single funds and ensures a more active level of diversification for a client portfolio across all alternative asset classes. In a benign return environment for traditional asset classes, we believe the Fund can provide potential return premiums.

Thomas H. Ruggie, ChFC®, CFP®

Thomas H. Ruggie, ChFC®, CFP®

Founder and CEO

I spent my first 25 years professionally building Ruggie Wealth Management into one of the premier firms in the country. The knowledge and wisdom I gained from that has led me to dedicate my next 25 years to helping clients who are like me – successful men and women who are at the top of their field as entrepreneurs, academicians, business leaders and professionals, and who care deeply about their families, reach even further. By pulling together best-in-class advisors with a wide range of expertise and experience they trust, we are always sitting on their side of the table. We simplify their lives, so they’ll have more time to do what they do best and enjoy the most.


Audrey Ralicki, CFP

Audrey Ralicki, CFP®

Managing Partner

I work alongside Tom to help create holistic plans for our Family Office clients – entrepreneurs, executives and multi-generational families with highly complex needs. My vision is to bring together their financial needs and objectives with the desired impact, legacy and purpose they embrace for their wealth. In this role, I am committed to helping coordinate our trusted family office professionals, delivering seamless integration of technology and above all, providing exemplary service to family office members of all generations.