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OUR PEOPLE.
YOUR TEAM.

Expertise and passion dedicated to supporting you along your journey.

Tom Ruggie

ChFC®, CFP®
Founder & CEO

Audrey Ralicki

CFP®
Managing Partner

Rob Clark

CFP® Partner

Jorge Romero

CFP®
Partner

Stef Astheimer

Chief Revenue Officer

Chris Nichols

Partner

Jeremy Wassmer

CFP®
Associate Wealth Advisor

Sharon Kolstad

Client Relationship Manager

Taiana Daniel, JD, MBA

International Relations

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Copyright © 2023 Destiny Family Office | Investment advisory services offered through Destiny Wealth Partners, LLC, an SEC Registered Investment Advisor.
Destiny Wealth Partners also conducts business under the name Destiny Family Office.

Listing in any publication is not a guarantee of future investment success. Recognitions should not be construed as an endorsement by any client.

For additional information on the methodology used to determine inclusion in these rankings go to our disclosures.
Alternative Investments are intended for accredited investors (defined as $1 million in investable assets exclusive of primary residence) or qualified purchasers (defined as $5 million in investable assets exclusive of primary residence). More info at disclosures.

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Tom Ruggie, ChFC®, CFP®

Founder & CEO

12X Barron’s Top 1200 Financial Advisors

7X Forbes/Shook Research Best-In-State Wealth Advisors (2024: #1 in North FL)

InvestmentNews 75 Fastest-Growing, Fee-Only RIAs 2023

Forbes America’s Top 250 RIA Firms 2023

11X Financial Advisor Top RIA Firms

Family Wealth Reports Awards Finalist 2022, 2023, 2024

InvestmentNews Inaugural Excellence Awards (RIA Team of the Year) 2024

USA Today/Statista Best Financial Advisory Firms 2023

Forbes Finance Council 2016-2024

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®​

Partner

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®​

Partner

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

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

Chris Nichols

Partner

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.
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Jeremy Wassmer, CFP®

Associate Wealth Advisor

Jeremy is a detailed problem solver who enjoys boiling down complex issues to their simplest form so that clients can understand and make informed decisions.

In 2011 Jeremy began an apprenticeship working for his father’s advisory firm in Kansas City assisting with Medicare, Social Security and retirement income planning. Jeremy graduated from Benedictine College in 2013 with a B.A. in marketing and a minor in finance. He obtained a Series 65 license in 2014, and in 2016 joined a local insurance company in Kansas City to assist small business owners with group employee benefits and business transition planning. Jeremy moved to Orlando in 2017 for a mentorship in comprehensive personal financial planning and wealth management for high net-worth clients while working under a seasoned financial advisor for five years. In 2020, he obtained the CERTIFIED FINANCIAL PLANNER® certification and began working with Ruggie Wealth Management in 2023. He is now studying for the Chartered Financial Analyst (CFA®) level I designation.

Jeremy is engaged to be married to his fiancé Ashley, and shares a home with his three dogs. He enjoys time with friends, watching movies and TV shows with Ashley, playing in pick-up games i.e. soccer, golf and tennis, and watching the Kansas City Chiefs and English Premier League soccer.

Getting to Know Jeremy

What’s your favorite food? Lobster Bisque or Mac and Cheese
Best piece of financial advice you received: “Work to learn, don’t work for money.” – Robert T. Kiyosaki
Favorite quote: “The definition of genius is taking the complex and making it simple.” – Albert Einstein
If I could meet anyone, past or present, it would be… Elon Musk, or a close second Patrick Mahomes
Hidden talent/skills: I’m excellent at using two ears and one mouth as I listen twice as much as I speak
Favorite book: First Things First – Stephen Covey
Favorite movie or TV show: Game of Thrones
What motivates you? Becoming the best version of myself.
Favorite holiday: Christmas
Name something on your bucket list: Going to a Chief’s Super Bowl
Place you’d most like to visit: Hawaii
Biggest accomplishment: Proposing to Ashley

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

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Taiana Daniel, JD, MBA

International Relations

As an Ivy League executive counsel and an asset manager, Taiana has delivered strategic solutions at major multinationals, and Fortune 500 companies with strong global presence, such as Alcoa, Rio Tinto, and BHP Group. In the past 20 years, she has played a key role in expansion projects of over US $1.3 billion dollars across Latin America, Europe, and the U.S.

Taiana is a strategic thinker and has a unique approach to asset management, establishing partnerships with private equity funds, DFIs, fund of funds, family offices, and top law firms in Latin America, U.S., and Europe.

Her contributions extend beyond the ordinary, considering her diverse cultural background, her experience in different countries, and her proven ability to adapt to different environments, roles, and functions.

Taiana is originally from Brazil. She has a law degree and a MBA from top Brazilian universities. She was an external student in International Business at University of London, and is currently pursuing a master’s degree in International Relations at Harvard University. Taiana loves playing tennis and travelling around the world with her family. She resides in Boca Raton, with her husband, daughter, and golden retriever.

Get to know Tai

Favorite food: cheese with a glass of wine
Best piece of financial advice received: invest in yourself
Favorite quote: “Change is never easy, but always possible”
If Tai could meet anyone, past or present, it would be: Coco Chanel
Hidden talent: playing violin
Favorite book: Becoming
Favorite TV show: Brothers and Sisters
What motivates Tai: helping people
Favorite holiday: Thanksgiving
Something on Tais’ bucket list: to write a book
Place Tai most would like to visit: Maldives
Biggest accomplishment: being a mother

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