Kurt Ruoff has been Managing Partner, Chief Compliance Officer and Senior Financial Planner of Cypress Financial Planning since April 2026, is a control person of the firm and directly owns between 10% and 25% of it. Kurt Ruoff holds a Bachelor of Science degree in Business Administration with a concentration in finance from Drexel University.
Cypress Financial Planning, LLC is a Haddon Heights, NJ firm with $490M under management, 432 clients and 6 advisers across 4 offices, as of its July 2026 filing.
Kurt Ruoff is Managing Partner of Cypress Financial Planning. He joined to help expand the firm's financial planning presence and capabilities. Before Cypress, he spent nine years as a financial planning specialist with Morgan Stanley, working primarily with high net-worth families. Earlier he was a municipal note trader and financial advisor for two local banks.
Kurt Ruoff’s longest registration was 8 years at Morgan Stanley (2011–2020). Before joining Cypress Financial Planning in 2020, Kurt Ruoff was registered through Morgan Stanley and TD Wealth Management Services Inc.
- Cypress Financial PlanningCurrent– present · 6 yearsHaddon Heights, NJ · Adviser representative · Firm CRD 151014
- Morgan Stanley– · 8 yearsMarlton, NJ · Adviser representative · Firm CRD 149777
- TD Wealth Management Services Inc.– · 1 yearCherry Hill, NJ · Adviser representative · Firm CRD 6940
Professional designations
Listed by Cypress Financial Planning
- CERTIFIED FINANCIAL PLANNER™ (CFP®)
- Chartered Retirement Planning Counselor (CRPC®)
Investment adviser representative registrations
Kurt Ruoff is registered as an investment adviser representative in 2 states. The first approvals date from June 2020; the most recent is Texas, in June 2022.
- New JerseySince 1 June 2020
- TexasSince 20 June 2022
Examinations
| Exam | Name | Passed |
|---|---|---|
| SIE | Securities Industry Essentials Examination | Credited |
| Series 31 | Futures Managed Funds Examination | 22 August 2011 |
| Series 66 | Uniform Combined State Law Examination | 16 August 2011 |
| Series 53 | Municipal Securities Principal Examination | 21 June 2010 |
| Series 7 | General Securities Representative Examination | 18 December 2007 |
- Name
- Securities Industry Essentials Examination
- Name
- Futures Managed Funds Examination
- Name
- Uniform Combined State Law Examination
- Name
- Municipal Securities Principal Examination
- Name
- General Securities Representative Examination
- Full name
- Kurt Herman Ruoff
- CRD
- 5432756
- Firm
- Cypress Financial Planning · CRD 151014
- Role
- Managing Partner, Chief Compliance Officer and Senior Financial Planner
- Office
- 400 WHITE HORSE PIKE, Haddon Heights, NJ 08035
- Registration
- Investment adviser registration
- In the industry since
- December 2009
- Disciplinary history
- Not yet shown here · SEC record
- Firm bio
- cypressplanning.com
Where does Kurt Ruoff work?
Kurt Ruoff has been Managing Partner, Chief Compliance Officer and Senior Financial Planner of Cypress Financial Planning, LLC since April 2026, and is a control person of the firm.
Is Kurt Ruoff a financial advisor?
Yes. Kurt Ruoff has a current investment-adviser registration in New Jersey and Texas, through Cypress Financial Planning since May 2020.
How many years of experience does Kurt Ruoff have?
Kurt Ruoff has 16 years in the financial industry, since December 2009, across 3 adviser firms.
What exams has Kurt Ruoff passed?
Kurt Ruoff has passed 4 licensing exams: the Series 7, Series 53, Series 66 and Series 31. The earliest, the Series 7, was passed in December 2007. FINRA credited Kurt Ruoff with the SIE, which began in October 2018.
Where did Kurt Ruoff work before Cypress Financial Planning?
Before Cypress Financial Planning, Kurt Ruoff was registered through TD Wealth Management Services Inc., March 2008 to July 2009.
Where is Kurt Ruoff based?
Kurt Ruoff’s registered office is in Haddon Heights, NJ.
Is Kurt Ruoff registered with FINRA?
No. Kurt Ruoff has no current broker registration.
Is Kurt Ruoff a CFP?
Cypress Financial Planning lists Kurt Ruoff with the CFP credential (“CERTIFIED FINANCIAL PLANNER™ (CFP®)”) on its website. CFP Board confirms certification status.
Source: Kurt Ruoff, CFP®, CRPC® biography, cypressplanning.com
How can I verify Kurt Ruoff’s record?
Search CRD 5432756 on the SEC’s adviser search (adviserinfo.sec.gov), which publishes Kurt Ruoff’s full registration record.
