Top 75 in the U.S.

We’re excited to announce that our independent RIA Destiny Wealth Partners has been ranked among the 2023 75 Fastest-Growing Fee-Only RIAs.

According to Investment News, “these firms are being celebrated for the growth they’ve achieved and assets they’ve attracted since July 2020. While all 75 winners are trusted and reliable partners for their clients, each firm has its own unique strategy and operating methods.”

Destiny Wealth Partners is our independent RIA founded by 30+ year financial veteran Tom Ruggie, ChFC, CFP. It also conducts business as Destiny Family Office, Ruggie Wealth Management, and Nichols Wealth Partners. Ruggie founded Destiny Family Office in 2016 to meet the unanswered needs of the ultra-high-net-worth, as they were seeking to better navigate the challenges and opportunities at the intersection of their family, wealth, and aspirations.

The firm’s culture is rooted in a shared vision to continually innovate, working collaboratively as a closely integrated team and partnering with best-in-industry third parties to create solutions that empower individuals, families, and foundations and help them achieve their highest Destiny.

As of July 13, 2023, Destiny Wealth Partners had $1 billion in AUM. The firm’s success has been driven by targeting three key areas:

  1. presenting a compelling sphere of investments through the Destiny Alternative Fund and unique access to direct and co-investment opportunities for UHNW families seeking opportunities for greater returns
  2. creating a niche focus on high-end collectors: Tom Ruggie’s unique insights and perspectives, based on his own lifelong passion for collecting, have resulted in his expertise and thought leadership on this subject, as well as on alternative investments as a whole
  3. private trust capabilities: becoming a trust representative office for the nation’s largest trust company

Ruggie says, “Simply put, we have a growth mindset. We set big goals and have big expectations for ourselves in many areas, starting with the delivery of an exceptional client experience, the desire to continually innovate, and a commitment to invest in ourselves, in best-in-class strategic partnerships, and in the capabilities and services we provide.” Clients experience deep strategic thinking tailored to their situations, needs, and goals, such as:

  • purpose and passion
  • attention to detail
  • integrity
  • continual innovation and growth of the team, services, capabilities, technology, etc.
  • a focus on understanding clients’ “why”
  • a willingness to act as clients’ personal CFO
  • well-thought-out planning for the long term
  • a growth mindset
  • quiet leadership
  • financial strategies that simplify lives

“We believe our most compelling metric continues to be our ability to turn success into personal significance for our families. We also believe doing so has led to an exemplary client retention rate across time,” says Ruggie. “Clients surveyed say that’s a factor of well-thought-out investment strategies and investment management processes, unique planning tools, constant attention to detail, desire to challenge convention, willingness to seize opportunities, and quiet leadership.”

In addition to being named among InvestmentNews’ Fastest-Growing Fee-Only RIAs of 2023, Ruggie and his firm have received other recognitions, including:

  • Forbes/Shook Research Best-In-State Wealth Advisors (6x)
  • Forbes/Shook Research 250 Top RIA Firms (2023)
  • Barron’s Top 1200 Financial Advisors (11x)
  • Financial Advisor Top RIA Firms (11x)
  • USA Today/Statista 500 Best Financial Advisory Firms in the US (2023)
  • Family Wealth Report Awards Finalist in the category up to and including $2.5 billion in AUM (2022–23)

As Ruggie reflects on all he and his team have accomplished thus far with and for the clients they serve, he remains focused on the ever-evolving needs of clients and how he can best serve them. There are plans to expand the firm’s family office offerings, pursue select M&A opportunities, and launch GenNext, an initiative targeting the younger client demographic.


2100 Lake Eustis Dr, Tavares, FL 32788

Year founded:


Number of employees:





[email protected]





Founder & CEO
Managing Partner
CFP® Partner
Client Relationship Manager

Our Team
is here for


Tom Ruggie, ChFC®, CFP®

Founder & CEO

  • 7X Forbes/Shook Research “Best-In-State Wealth Advisors” – 2024 (#1 N Florida)

  • InvestmentNews Awards “RIA Team of the Year” – 2024

  • 12X Barron’s “Top 1200 Financial Advisors” – 2024

  • Forbes “Top 250 RIA Firms” – 2023 (#7 Florida, #155 U.S.)

  • InvestmentNews “Top 75 Fastest-Growing Fee-Only RIAS” – 2023

  • 11X Financial Advisor Magazine “Top RIA’s/Fastest-Growing Firms” – 2023

  • 3X Family Wealth Report Awards Finalist – 2024

  • Forbes Finance Council Since 2016 

A 30+ year veteran of the investment and financial planning industries, Tom Ruggie, ChFC®, CFP® began his career in 1991 and subsequently founded what would become Destiny Wealth Partners, the Central-Florida based independent RIA which manages more than $1B in assets. He founded Destiny Family Office in 2017 to help  ultra-high-net-worth individuals and families 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.

Capabilities of the firm include privileged access to alternative, direct and co-investment opportunities for QPs, and a deepening prominence in the collectibles space with a unique focus on integrating valuable collectibles – including luxury and classic cars, art, coins and treasure, wines and spirits, sports memorabilia, and more – as an alternative asset into all aspects of a collector/clients’ overall planning.

Tom is a passionate collector himself, with a world-class collection of autographed baseball cards that includes three sets that sit atop the PSA Registry, as well as an extensive collection of sports memorabilia.

He has become one of the most respected financial advisors in the industry, authoring articles on alternative investments and collectibles which have appeared in Crain Currency, Forbes.com, and PSA Magazine. He has also been selected to be a monthly contributor to Kiplinger. Tom’s perspectives and insights have been sought by leaders in financial news including The Wall Street Journal, New York Times, InvestmentNews, CNN Money, CNBC, Fox Business News, Barron’s Penta, and Family Office Pro. 

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.

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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.

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

Jorge Romero, CFP®​


Jorge A. Romero is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and Partner at Destiny Family Office.  He began his career in the financial services industry in 2004 after having served honorably in The United States Marine Corps.  Jorge works closely with clients and their families to develop & implement comprehensive wealth management solutions designed to help clients achieve their goals.  His areas of focus include lifestyle funding and cash flow analysis, tax planning, estate planning, risk management, family governance and philanthropic planning.

In addition to working directly with clients & their families, Jorge also leads Destiny Wealth Partners’ Investment Committee, where his responsibilities include shaping the firm’s investment policy formation, asset allocation strategy development, manager research & selection, and portfolio performance monitoring.

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 and is currently pursuing a Master of Science in Financial Planning and Taxation along with the Certified Investment Management Analyst (CIMA®) designation.  He is a member of The CFA Institute & CFA Society of Orlando, The Financial Planning Association of Central Florida, The Investments & Wealth Institute, as well as the Estate Planning Council of The Villages®.

In his spare time, Jorge enjoys learning about Wine, and traveling with his friends & family- which also includes their Coton de Tuléar puppy, RóBear.  Jorge is an avid reader of history, international relations, and linguistics books; he speaks Spanish, some Italian, and French, and is always exploring new languages.  He is also an endurance cyclist, often riding his road bike or Peloton® to raise funds & awareness for charities such as No Kid Hungry®, UNICEF, and The National Multiple Sclerosis Society®.

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.

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