Destiny Family Office

Planning for Your Private Collection

Acquisition, Maintenance and Disposition

It’s not surprising many high-net-worth families and individuals have acquired valuable collections including works of art, classic and luxury cars, wines and spirits, jewelry, coins, or sports memorabilia. However, it is surprising that few have paid much attention to maintaining and planning for the eventual sale or transfer of these valuable collections. Are they going to our children?  A charitable organization? A museum or will they be sold outright? We help our clients answer these and other questions and issues related to their prized collections, and this work is fully integrated into everything we do for our clients. 

VROOOM...With a View

Our decade-long relationship with Festivals of Speed, one of the nation’s premier series of luxury lifestyle and car shows, has aligned us closely with enthusiasts and collectors of automobiles, motorcycles, aircraft, yachts, and luxury products. Together, we’ve shared the excitement of luxury lifestyle jetport receptions, wine connoisseurs’ dinners, yacht displays, ride & drive experiences, and fine art & jewelry exhibitions. As Presenting Sponsor of the best-in-class and best-in-show Awards’ Ceremony, we’re particularly proud that these events benefit local philanthropic organizations supporting the health and well-being of the community’s families and children.



Tom Ruggie: Boyhood Love of Baseball
Leads to World-Class Collection

Tom Ruggie’s personal passion for collecting started as a boy collecting autographs outside the dugouts during Spring Training. After taking a time-out during college, Tom rekindled the fever in adulthood, and three decades later, has amassed what PSA calls “one of the most impressive autographed baseball card collections in the hobby”, and that’s only the start of his overall sports memorabilia collection. The value of his collection requires the same application of sound investment principles that he uses in his professional life, and today, he shares what he has learned from his own collection with other like-minded collectors.


Destiny Family Office


We created our Scorecard to help like-minded collectors identify and measure (score) where you are in 10 areas vital to your collectibles…the first step in understanding where you want to be. It looks at essential mindsets surrounding acquiring, preserving, cataloging, insuring, valuating and ultimately transferring your collectibles in ways that can help you identify pain points and illuminate areas you can work on with your trusted advisors to add to your peace of mind. We believe it is truly a differentiator in the value of the experience we deliver to our Family Office collectors, and I’m excited to share it with you.
Completing it only takes about 10 minutes. But the insights you gain will give you insights for a lifetime.

Thinking Out Loud About Collectibles

Stef Astheimer

Chief Revenue Officer

Stef is an accomplished senior leader with a history of successes as a financial firm builder, revenue driver, and operating executive, who works with people, systems, and processes to help optimize the delivery of services across the entire client journey.

He served as Vice President, Strategy, for Howe and Rusling in Rochester, which he helped build from a small firm into a regional powerhouse with $1.5B in assets, while building his practice working with ultra-affluent investors with complex portfolios of angel investments. More recently he served as COO for two separate RIAs including one with more than $5B in AUM.

Stef has a proven track record of developing firm business strategies, staff development and training, sales strategy oversite, internal process and system development, and strategic marketing strategies.

He earned his Bachelor of Science in Applied Mathematics from Yale University and has been interviewed by industry leading publications including the Wall Street Journal and Bloomberg. He has served on numerous non-profit boards and was a recipient of a Rochester 40 Under 40 Award.

Outside the office, he enjoys travelling, hiking, food, cooking (badly but improving), and listening to great courses and science fiction audiobooks.

Getting to Know Stef
Favorite food: Cheese
Hidden talent/skills: Black belt in Karate
Bucket list item: Learn to fly (planes)
Would most like to visit: India, but constantly changing


Tom Ruggie, ChFC®, CFP®

Founder & CEO

Tom Ruggie, ChFC®, CFP®, spent his first 25 years professionally building Ruggie Wealth Management into one of the premier firms in the country. The knowledge and wisdom gained from that led him to the founding of Destiny Family Office, a Destiny Wealth Partners firm, to help people face head-on the increasing complexities inherent in their business and personal lives so they can enjoy more time embracing their unique potential, transforming their worlds, and achieving their own destiny.

Acknowledging that in an evolving environment his firm must also continually evolve, he has identified three key areas where evolution has most keenly had a positive impact: presenting a compelling sphere of investments, including alternative, direct and co-investment opportunities, creating a special emphasis on high-end collectors whose collections signify a significant alternative investment, and strengthening the firm’s private trust capabilities. He has become one of the most respected financial advisors in the industry, receiving national recognition and rankings including:

  • • 11X Barron’s Top 1200 Financial Advisors
  • • 6X Forbes/Shook Research Best-In-State Wealth Advisors (2023: 5th in North FL)
  • • 11X Financial Advisor Top RIA Firms
  • • Forbes Finance Council 2016-2023
  • • USA Today/Statista 500 Best Financial Advisory Firms

The Florida native has served on numerous boards of directors serving for-profit and not-for-profit organizations and foundations. He was appointed by the Governor to the Florida Prepaid College Plan which manages more than $10 billion in assets and serves over 80,000 college students annually and served as its vice-chairman. In 2013, he and wife Kim created the Tom and Kim Ruggie Family Foundation to support projects that strengthen the bond of families, improve the quality of people’s lives and enhance opportunities for access to life-enriching services such as healthcare and education. In 2018, Tom was named to the Orlando Magic Youth Foundation (OMYF) Board, which is committed to helping children in Central Florida, especially those most at risk, realize their full potential.

Tom, his wife, son, daughter and son-in-law are ‘addicted’ to CrossFit and working-out in general. In 2020, Tom earned the CrossFit Level 1 Trainer designation. He also enjoys traveling with his family, red wine and has a significant sports’ memorabilia collection. Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results, nor should it be construed as a current or past endorsement by any of its clients. Rankings published by magazines, and others, may base their selections on information prepared and/or submitted by the recognized adviser.

Sharon Kolstad

Client Relationship Manager

Providing ongoing service and support that exceeds expectations, to Destiny Wealth Partners’ clients and team members alike, is Sharon’s focus and commitment. Before joining our team, she worked for a Christian non-profit organization, and has a passion to help others succeed both professionally and personally.

Born and raised in a small town in North Central Florida, she has lived in the Orlando area with her husband and children since 2017. Outside the office, she enjoys spending time with her family, paddle boarding and doing CrossFit.

Favorite Holiday: Christmas

Chris Nichols


Chris Nichols has been in the financial services industry for more than two decades and specializes in comprehensive wealth planning for ultra-high-net-worth clients. Through collaboration with these entrepreneurs, intergenerational families, institutions, and their other trusted advisors, he has a long tradition of helping them define their unique wealth management and investment objectives and building customized strategies aimed at achieving their goals. He offers oversight of the family’s overall financial matters, philanthropic strategies, and the development of the human and intellectual capital of the next generations.

He also retains his position as Founder, Managing Partner and Senior Wealth Advisor of Nichols Wealth Partners. Over the years, Chris has been a valued speaker on public and private investment planning. He is also the author of The Real Truth About Your Money: Simple Answers to Smart Financial Questions.
A native of South Florida, Chris earned a bachelor’s degree in business administration with a minor in economics from the University of Florida. He is past President and for 10 years served as a board member of St. Demetrios Greek Orthodox Church in Ft. Lauderdale. Currently he serves as investment committee member of the George Snow Scholarship Fund. Chris enjoys driving fast cars, exercising, reading, and watching sporting events. He resides in Boca Raton with his wife and four children.

Kimberly C. Good, ChFC®, CFP®, CIMA®


Kimberly is a 30-year veteran of the financial services industry, a Certified Financial Planner and an accomplished Certified Investment Management Analyst (CIMA). She earned her CIMA credentials through The Wharton School Aresty Institute of Executive Education and The Investment & Wealth Institute.

Kimberly has expertise in the development of personalized financial plans; in particular, the implementation of those plans including investment management. Kimberly has experience as a trust officer, has advanced certifications within the life insurance industry, and was a portfolio manager and investment advisor for boutique investment advisory firms before beginning KCG Investment Advisory Services in 2009.

She is passionate about creating financial plans for her clients that align with their core values and life purposes.

Kimberly believes in family first and enjoys scenic drives and bike rides with her husband, and family time with her sons.

Getting to Know Kimberly

Bucket List: A mission trip to India

Favorite Book: Midnight in the Garden of Good and Evil by John Berendt

Favorite Food: Salt & vinegar potato chips

Jorge Romero, CFP®​


Jorge A. Romero is a CERTIFIED FINANCIAL PLANNER™ practitioner (CFP®) and began his career in the financial services industry in 2004 after having served honorably in The United States Marine Corps. Jorge’s focus is on the establishment of strong and long-lasting relationships with clients by addressing their goals and dreams through a holistic, comprehensive and disciplined financial-planning process. Jorge also consults on a variety of personal financial topics such as asset allocation design, portfolio analysis & risk management, and retirement & estate planning. Jorge received his Bachelor of Arts in Political Science and Pre-Law along with a Minor in Latin American Studies from The University of Central Florida in 2008. He is currently pursuing a Master of Science in Financial Planning and Taxation and is a member of The Financial Planning Association of Central Florida, as well as the Estate Planning Council of The Villages®. In his spare time, Jorge enjoys spending time with friends and family; he is also an avid reader of history, international relations and linguistics books. Jorge speaks Spanish, some Italian, and French and is always trying to learn new languages. He also loves cycling, both outdoor and on his Peloton®, as well as tennis, and learning about wine.

Getting to Know Jorge

What’s Your Favorite Food: Aged Prime Steak

If I Could Meet Anyone, Past or Present, It Would Be… Albert Einstein

Favorite Book: One Hundred Years of Solitude

Favorite Movie or TV Show: Forrest Gump

What Motivates You? Solving Complex Problems

Favorite Holiday: Festivus

Name Something on Your Bucket List: Learn to speak Farsi

Place You’d Most Like to Visit: The Mariana Trench

Rob Clark, CFP®​


Rob Clark has been helping clients work toward long-term financial security for their families and their businesses since 2001. It is his goal to help his clients grow, protect, and manage their assets in the most tax-efficient manner. With attention to detail and organizational skill, Rob effectively manages clients’ portfolios, creating an integrated strategy aimed at meeting their investment and retirement objectives. Rob is a Certified Financial Planner™ and holds a bachelor’s degree from the University of Central Florida. He serves on the Orange County Children and Family Services Board, the Orange County Animal Services Classification Board, and is a Leadership Orlando Alumni. He enjoys spending time with his family, golfing and health/fitness. The Florida native was born in Sarasota.

Getting to Know Rob

Bucket List: Cruise to Alaska

Favorite TV Show: The Office

Favorite Food: Sushi

Audrey Ralicki, CFP®​

Managing Partner

Audrey works alongside Tom to help create holistic plans for our Family Office clients – entrepreneurs, executives and multi-generational families with highly complex needs.

Her vision is to align their financial objectives with the desired impact, legacy and purpose they wish to make as they work to achieve their destiny. She is committed to providing leadership and support to our entire team of family office professionals, and above all, to providing exemplary service to the multiple generations of family office clients we serve.

Audrey’s passion for helping individuals and families pursue their financial goals led her to earn her bachelor’s degree in Finance with a concentration in Financial Planning from the University of North Florida in Jacksonville.  She joined Destiny Wealth Partners in 2011, and has served in various roles within the firm. In 2018, she was named  Managing Partner.