Tom Ruggie, ChFC®, CFP®
Founder & CEO - Destiny Family Office, Destiny Wealth Partners, Destiny Alternative Investment Fund, & Ruggie Wealth Management
Tom Ruggie, ChFC®, CFP®
Founder & CEO - Destiny Family Office, Destiny Wealth Partners, Destiny Alternative Investment Fund, & Ruggie Wealth Management
Tom Ruggie, ChFC®, CFP®
Founder & CEO - Destiny Family Office, Destiny Wealth Partners, Destiny Alternative Investment Fund, & Ruggie Wealth Management
7X Forbes Best-In-State Wealth Advisors (#1 N Florida – 2024)
13X Barron’s Top 1200 Financial Advisors
Tom is a visionary wealth manager, executive, and entrepreneur who has spent more than three decades building one of the country’s pre-eminent wealth management organizations, comprised of an independent RIA, multiple wealth management firms, various alternative investment funds, co-investment fund and other privileged investment initiatives to enhance client offerings.In 2017, Tom founded Destiny Family Office to help individuals and families with situations like his – navigate the challenges and complexities of managing significant wealth, and to offer them a single-family office experience within a multi-family office structure.
His success is not one of inherited privilege but of resilience, hard work, and tenacity that have been formative to his entrepreneurial journey and personalized approach to serving clients.
He often remarks, “I am my own client,” reflecting his deep understanding of the complexities involved in building, managing, and preserving wealth while navigating the demands of both family and business. Every capability and solution at Destiny Family Office has been shaped by a guiding question: What would I want as a client? The answers have been refined over more than two decades of insights gained from Strategic Coach, Vistage membership, the implementation of the Entrepreneurial Operating System (EOS) across his enterprise, and most recently, his participation in Tiger 21.
Tom’s philosophy of collaboration and quest for lifelong learning have been foundational. He and his team are committed to be their clients’ “first call” — whether they are celebrating achievements, navigating setbacks, or seeking new opportunities.
Tom focuses heavily on providing privileged access to institutional-caliber alternative investments, including pre-IPO direct/private investments. He has also combined his own passion as an avid collector with his financial expertise to help clients turn personal interests into powerful investments.
He is an author and contributing writer with dozens of articles published in industry-leading publications and speaks frequently on the topics of alternative investments and collectibles as an asset class.
Rankings and Recognitions
InvestmentNews Awards RIA “Team of the Year” – 2024
7x Forbes “Best-In-State Wealth Advisors” – 2024 (#1 N Florida)
Newsweek America’s Top Financial Advisory Firms – 2025
12x Barron’s “Top 1200 Financial Advisors” – 2024
Forbes “Top 250 RIA Firms” – 2024 (#4 in Florida)
InvestmentNews Hot List – 100 Top Financial Professionals in the US – 2024
12x Financial Advisor Magazine “America’s Top RIA’s” – 2024
Think Advisor Luminaries Finalist – Thought Leader of the Year – 2024
3x Family Wealth Report Awards Finalist – 2024
InvestmentNews “Top 75 Fastest-Growing Fee-Only RIAS” – 2023
USA Today “Best Financial Advisory Firms” – 2023
Forbes Finance Council Since 2016
Rankings and Recognitions
Tom and his team have been blessed to be recognized and ranked among the nation’s top wealth advisors and firms:
- InvestmentNews 2024 RIA “Team of the Year”
- Newsweek America’s Top Financial Advisory Firms 2025
- Forbes Top 250 RIA Firms (#4 in Florida – 2024)
- InvestmentNews 2024 Hot List – 100 Top Financial Professionals in the US
- 12X Financial Advisor Magazine “America’s Top RIA’s”
- ThinkAdvisor Luminaries 2024 Award Finalist “Thought Leader of the Year”
- 3X Family Wealth Report Awards Finalist
- InvestmentNews 2023 Top 75 Fastest-Growing Fee-Only RIAS
- USA Today “Best Financial Advisory Firms” – 2023
- Forbes Finance Council Since 2016
Video Playlist
Articles
The most newsworthy developments impacting collectors
Founding Fortunes: The Power of Partnering with Entrepreneurial Advisors
Four Things to Know About Your Collectibles and Homeowners Insurance
A Private Equity Fund Bought Your Accounting Firm: Now What?
It’s Not Just Stuff: Ten Insider Tips For Managing Specialty Collections
Should You Invest in Hot Private Tech Companies?
Big Bank Wealth Management vs. Smaller Focused Firms: How To Evaluate What’s Best For You
Destiny Family Office's
Podcast
Explore wealth, success, and investing with the “Significance of Wealth” podcast. Hosted by Tom Ruggie, this show offers insights into the world of investments, collectibles, and wealth management strategies, while emphasizing the importance of what truly matters.
Neither rankings nor recognitions by unaffiliated rating services, publications, media, or other organizations, nor the achievement of any professional designation, certification, degree, or license, membership in any professional organization, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that the client will experience a certain level of results if the investment professional or the investment professional’s firm is engaged, or continues to be engaged, to provide investment advisory services. A fee was not paid by either the investment professional or the investment professional’s firm to receive the ranking. The ranking is based upon specific criteria and methodology (see ranking criteria/methodology). No ranking or recognition should be construed as an endorsement by any past or current client of the investment professional or the investment professional’s firm. Additional information at: https://destinyfamilyoffice.com/disclosures/
The achievement of any professional designation, certification, degree, or license, recognition by publications, media, or other organizations, membership in any professional organization, or any amount of prior experience or success, should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results or satisfaction if Destiny Wealth Partners, LLC is engaged, or continues to be engaged, to provide investment advisory services. Additional information at: https://destinyfamilyoffice.com/disclosures/ .
The expressed views, thoughts, and opinions belong solely to the Significance of Wealth podcast host and/or guests on the podcast and are not investment recommendations or opinions issued by Destiny Wealth Partners or its affiliates. Investment advisory services are offered through Destiny Wealth Partners, LLC, an SEC Registered Investment Advisor. Destiny Wealth Partners also conducts business under the name Destiny Family Office. Destiny Family Office podcasts are the sole property of Destiny Family Office, and information provided is for informational and educational purposes only. Destiny Family Office and its affiliates are not responsible for any human or mechanical errors or omissions. Parties may not reproduce these podcasts in any form without the express written consent of Destiny Family Office. Learn more at https://destinyfamilyoffice.com/disclosures/.