Collectors
Passion, investment, or both? We help high-net-worth collectors integrate their valuable collections into their financial planning.
Collector-Focused Financial Planning
Tom Ruggie’s Passion for Collecting Fuels His Desire to Help Others Protect What They Cherish

Tom Ruggie, ChFC®, CFP® started collecting autographs as a boy outside the dugouts during Spring Training in Florida. Tom has now amassed what PSA calls, “One of the most impressive autographed baseball card collections in the hobby.” And that’s only a small part of his overall sports memorabilia collection. This passion for collecting also extends to significant wine and pop culture collections.
As Founder and CEO of Destiny Family Office, Tom leverages his passion for collecting to provide personalized financial planning and investment insights to like-minded collectors, helping them align their collections with their long-term financial goals.
HELPING COLLECTORS ASSESS WHERE THEY ARE ACROSS TEN IMPORTANT CRITERIA
Destiny Collectibles Scorecard
Our proprietary Collectibles Scorecard looks at where you are and where you ideally want to be in essential mindsets surrounding acquiring, preserving, cataloging, insuring, valuating and ultimately transferring your collectibles.
Completing it will provide you with valuable insights that will help you protect yourself, your collection and your family, expose pain points to be worked on, and set into motion action steps you can work on with your trusted advisors to add to your peace of mind.
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.
Collectible Conversations
Articles & Blog
Important conversations with experts and industry leaders in the family office space
It’s an ultra-wealthy dilemma: Who inherits the wine and art collections?
By Beth Pinsker, MarketWatch, Aug. 31, 2024
It’s Not Just Stuff: Ten Insider Tips For Managing Specialty Collections
By Tom Ruggie,
Published on Forbes.com,
June 5, 2024
Sports Memorabilia Arrive as an Investing Class
By Tom Ruggie,
Published in Kiplinger,
June 14, 2024
Your heir doesn’t want to keep your collection. Now what?
By Andrew Cohen,
Published in Crain Currency,
May 23, 2024
From Acquisition to Sale: Making the Most of Your Collectibles
By Margaret Steen,
FO Pro,
May 6, 2024,
Collectibles: Investment, Passion or Both?
By Margaret Steen.
Published in FO Pro,
March 18, 2024
Even if NFT Demand Returns, It’s Best to Collect What You Love
By Tom Ruggie, Published in Kiplinger,
March 19, 2024
Provenance Plays a Vital Role in Car Collecting
By Tom Ruggie, Published in Kiplinger,
February 10, 2024
Collectibles Prove to Be a Solid Asset Class for Investors
By Tom Ruggie, Published in Kiplinger,
December 15, 2023
How much is my Mickey Mantle rookie card worth?
Mickey Mantle spawned many a youth’s obsession with baseball card collecting.
How much is my Wayne Gretzky rookie card worth?
For hockey card collectors, no card carries the cachet of a Wayne Gretzky rookie card.
What financial matters should collectors consider when selling art, memorabilia, or other collectibles?
That multimillion-dollar memorabilia sale you saw in the headlines? The seller likely walked away with far less than the hammer price suggests.
Behind every record-breaking sale is a series of ...
What financial matters should collectors consider when buying art, memorabilia, or other collectibles?
For serious collectors, the thrill of acquisition often overshadows the quieter realities of ownership. But beyond the hammer price lies a web of financial considerations that can significantly impact your ...
The High-Net-Worth Collector’s Auction Glossary
Even for seasoned collectors, the auction world can be a complex maze of jargon and terminology, particularly when that terminology varies among auction houses. Still, without a firm understanding of ...
Why are high authentication standards essential for high-net-worth collectors
In memorabilia, authenticity separates the $100 eBay sale from the $1,000,000 Sotheby’s auction.
Why should collectors consider regular valuation of their collections?
In the battle between “ignorance is bliss” and “knowledge is power,” collectors should embrace the latter and benefit from superior decision-making.
How can large collections impact a collector’s view of his or her overall investment portfolio?
Collectors can take some simple steps to analyze their collectible allocation, assess its fit with their overall risk tolerance and goals, and consider what adjustments to their portfolio might be ...
What information should collectors share with their families to ensure their preparedness?
Unlike cash, stocks, or even real estate, collectibles come with a unique set of challenges. Without the right guidance, a valuable collection could be undervalued, mishandled, or even discarded altogether. ...
What are the largest challenges facing heirs who inherit collections?
For many collectors, the pursuit of rare and meaningful pieces is a lifelong passion—one fueled by discovery, history, and the thrill of ownership. But what happens when that passion becomes ...
Why tailored financial and wealth planning is essential for art and memorabilia collectors
Destiny Family Office specializes in helping high-net-worth collectors understand, account for, and protect the financial might of their collections, both for themselves and their families. Here, we discuss the many ...
What are the risks to investing in art, memorabilia, or other collectibles?
Collecting art, memorabilia, and other tangible assets can bring immense joy, but their potential for significant capital appreciation is becoming increasingly evident. Unlike traditional investments, collectibles come with unique risks ...