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
Tom is Founder and CEO of Destiny Family Office and a nationally recognized wealth manager, executive, and entrepreneur. Over the past 35+ years, he has built one of the country’s premier wealth management organizations, comprised of two independent RIAs, a multi-family office, multiple wealth management firms, alternative investment funds, a co-investment fund, and other privileged investment initiatives designed to address the unique needs of UHNW individuals and families.
Naturally solutions-oriented, Tom helps families solve the complex challenges that accompany significant wealth, by helping trusted advisors work in unison on behalf of each family, identifying and evaluating opportunities, managing risk, navigating major transitions, and making informed decisions that may impact generations. He and his team strive to be the first call clients make during life’s most important moments and unexpected challenges.
Tom often says, “I am my own client.” As a result, every solution offered by Destiny Family Office has been shaped by a simple question: “What would I want if I were sitting on the other side of the table?” The answer has been refined through decades of experience, continuous learning, and collaboration with some of the world’s leading entrepreneurs and thought leaders through organizations including Strategic Coach, Vistage, EOS, and TIGER 21.
A respected investor and recognized authority in alternative investments, Tom was named InvestmentNews Advisor of the Year for Alternative Investments in 2025 and again in 2026. He is known for providing qualified purchasers access to private, mid to late-stage, pre-IPO, direct and co-investment opportunities that have historically been difficult to access including Anduril, Anthropic, Databricks, Open AI and other transformative companies and industry disruptors.
His expertise spans private equity, venture capital, private credit, direct lending, real estate, and direct pre-IPO investments in many of the world’s most sought-after private companies,
An avid collector of sports memorabilia himself, Tom has become a leading voice on collectibles and passion assets as an emerging investment category. Drawing upon his personal experience and work with collectors, he has developed a proprietary Scorecard designed to help families and collectors better understand how to plan for the needs, risks, and opportunities associated with their collections, including considerations related to valuation, documentation, security, taxation, insurance, and wealth transfer.
Tom is a frequent speaker, published author, and contributor to leading industry publications. His insights on family office services, private markets, alternative investments, and collectibles have earned him national recognition as a 14-time Barron’s Top 1500 Advisor, a 9-time Forbes Best-in-State Wealth Advisor (#1 in North Florida in 2024), and an InvestmentNews Top Financial Professional.
Today, Tom remains committed to helping successful families make better decisions, seize meaningful opportunities, and build enduring legacies that extend far beyond financial capital.
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 Advisor of the Year – Alternative Investments – 2026 & 2025
- InvestmentNews Top Financial Professionals in the US – 2026
- 9X Forbes Best-In-State Wealth Advisors (#1 N Florida – 2024, #2 N Florida – 2026 & 2025)
- 14X Barron’s Top 1200 Financial Advisors
- InvestmentNews 2024 RIA “Team of the Year”
- Forbes Top 250 RIA Firms (#6 in Florida – 2025)
- InvestmentNews Hot List – 100 Top Financial Professionals in the US – 2025 & 2024
- 14X Financial Advisor Magazine “America’s Top RIA’s”
- ThinkAdvisor Luminaries Award Finalist 2025 & 2024
- InvestmentNews 2025 5-Star RIA Firms
- 3X Family Wealth Report Awards Finalist
- InvestmentNews 2023 Top 75 Fastest-Growing Fee-Only RIAS
- Forbes Finance Council Since 2016
Get to Know Tom Ruggie - Founder and CEO
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Articles
Strategy Trumps Performance: Evolution Of Portfolio Construction For Family Offices
April 20, 2026,
Family Wealth Report
Wealth managers race to put AI leaders in place as technology reshapes the industry
June 9, 2026,
By Steve Randall,
InvestmentNews
AI Won’t Replace Advisors but it will separate the ones who survive
By Tom Ruggie,
Published on InvestmentNews.com,
June 2, 2026
Why strategy matters more than performance
By Tom Ruggie,
Published on InvestmentNews.com,
May 26, 2026
The barbell era: How ultra-wealthy investors are positioning for what comes next
By Tom Ruggie,
Published on InvestmentNews.com,
April 29, 2026
The Rise of Multi Family Offices: Independence, Complexity, and Sophistication
By Tom Ruggie,
Published on InvestmentNews.com,
March 25, 2026
Gotta catch them all? Record Pokémon card auction raises fresh questions for collectibles
By Leo Almazora,
March 2, 2026
The Met Opera May Sell Its Iconic Paintings. Is it a Good Investment?
Published on Kiplinger.com
January 28, 2026
Alternative Assets: From Private Equity to Passion Collections
By Tom Ruggie,
Published on Forbes.com
December 23, 2025
Why Alternatives Belong in a Well-Built Portfolio
By Tom Ruggie,
Published on InvestmentNews.com
December 9, 2025
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/.











