Destiny Family Office provides financial planning, portfolio management for individuals and small businesses, portfolio management for pooled vehicles, pension consulting, and selecting other managers.
Destiny Family Office reports 62 clients. They include 34 individual clients and 28 high-net-worth individuals. Of its assets, 86.7% ($525M across 234 accounts) are managed with discretion; $80.2M across 60 accounts are not. A wrap fee program the firm both sponsors and manages holds $243M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 55% | 2% |
| High-net-worth individuals | 45% | 96% |
| Corporations and other businesses | Fewer than 5 | 3% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 34 | $9.4M | 1.6% | $276K |
| High-net-worth individuals | 28 | $580M | 95.9% | $20.7M |
| Corporations and other businesses | Fewer than 5 | $15.3M | 2.5% | — |
| Total | 62 | $605M | 100% | — |
- Clients
- 34
- Regulatory AUM
- $9.4M
- AUM share
- 1.6%
- Avg. per client
- $276K
- Clients
- 28
- Regulatory AUM
- $580M
- AUM share
- 95.9%
- Avg. per client
- $20.7M
- Clients
- Fewer than 5
- Regulatory AUM
- $15.3M
- AUM share
- 2.5%
- Avg. per client
- —
Total
- Clients
- 62
- Regulatory AUM
- $605M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Destiny Family Office is paid through a percentage of assets under management and hourly charges. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 4 other services, listed under fee details.
Fee details and sources
Other fees
- Family Office Services
- An annual percentage of assets under management or advisement, set by the Family Office Client Agreement; the schedule may vary by client.
- Financial Planning and Consulting (Stand-Alone)
- Generally a minimum of $10,000 on a fixed fee basis, depending on scope; additional fees at an hourly rate of $100 to $1,500.
- Retirement Plan Advisory Services
- Priced up to 1.45% of assets under management, based on plan size, scope of services and other factors; negotiable.
- Variable Annuity Management
- An annual fixed percentage of variable annuity sub-account assets, agreed in the client agreement and billed quarterly in advance.
Thomas H. Ruggie Revocable Trust DTD 1/18/2001 owns 75% or more of Destiny Family Office and is in turn owned by Thomas Ruggie (75% or more). The leadership team of Destiny Family Office includes Chief Compliance Officer Thomas Ruggie. It has 7 employees.
Leadership
Thomas RuggieManaging Member/Chief Compliance Officer
Audrey MancusoMember
Jorge RomeroMember
Investment adviser representatives
8 representatives listed in the SEC register as of 9 October 2026.
- Robert Clark
- Ronald Joseph Hopper
- Eliza Fryer Kwentus
- Audrey Marie Mancuso
- Christopher George Nichols
- Jorge A Romero
- Thomas Huey Ruggie
- Jeremiah Elijah Wassmer
Staff
- 7 employees
- 7 in advisory functions
- 7 state-registered reps
- 2 soliciting firms
- Owns 75% or more of Destiny Family Office, LLC
Thomas H. Ruggie Revocable Trust DTD 1/18/2001
Control person · since October 2025
- Owns 75% or more of Thomas H. Ruggie Revocable Trust DTD 1/18/2001
Thomas Ruggie
Control person · since October 2025
- Owns 10% to 25% of Destiny Family Office, LLC
Robert L. Clark Revocable Trust DTD 9/29/2014
since October 2025
Robert Clark
Owner/trustee · Control person · since October 2025
Besides its headquarters, Destiny Family Office has 1 office, with 2 listed addresses in Florida.
Florida · 2 listed addresses
- 2100 Lake Eustis DR, TavaresHQ
- 620 N. Denning DR., Winter Park
Contact and registration details
- Legal name
- Destiny Family Office, LLC
- Headquarters
- 2100 Lake Eustis DR, Tavares, FL 32778
- Website
- destinyfamilyoffice.com
- Phone
- 844-357-1120
- SEC file
- 801-134301
- Structure
- Florida LLC
- Fiscal year end
- December
Destiny Family Office uses Goldman Sachs & Co. ($261M, 48%), First Trust Portfolios ($153M, 28%) and Charles Schwab ($134M, 24%) as custodians for its separately managed accounts. Destiny Family Office does not have custody of client assets.
- Goldman Sachs & Co.Goldman Sachs & Co. LLC · New York, NY · $261M48%
- First Trust PortfoliosFirst Trust Portfolios L.P. · Wheaton, IL · $153M28%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $134M24%
At year end, Destiny Family Office’s separately managed accounts were largely in funds (40%) and stocks (21%).
What the accounts hold
- Stocks21%
- Funds40%
- Registered funds33%
- Pooled vehicles7%
- Bonds1%
- Cash7%
- Other31%
- Alternative assets31%
How many clients does Destiny Family Office have?
Destiny Family Office has 62 clients and manages $605 million for them, as of September 2026. They include 34 individual clients and 28 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 16 September 2026
What services does Destiny Family Office offer?
Destiny Family Office provides financial planning, portfolio management for individuals and small businesses, portfolio management for pooled vehicles, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Destiny Family Office use?
Destiny Family Office’s separately managed account assets are held at Goldman Sachs & Co. LLC (New York, NY), with $261M, First Trust Portfolios L.P. (Wheaton, IL), with $153M and Charles Schwab & Co., Inc. (Westlake, TX), with $134M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 September 2026
How many financial advisors does Destiny Family Office have?
Destiny Family Office has 7 investment adviser representatives registered with state securities authorities, out of 7 employees, and 7 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Destiny Family Office invest in?
At the end of its last fiscal year, Destiny Family Office’s separately managed accounts held 33% registered funds (mutual funds, ETFs, BDCs), 31% other, 21% exchange-traded equities, 7% pooled vehicles (private funds and similar), 7% cash and equivalents and 1% state and local bonds. The 31% other category is described as: Alternative Assets.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Destiny Family Office?
Destiny Family Office is owned through trusts by Thomas Ruggie. Its direct owners are Thomas H. Ruggie Revocable Trust DTD 1/18/2001 (75% or more) and Robert L. Clark Revocable Trust DTD 9/29/2014 (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 16 September 2026
How does Destiny Family Office get paid?
Destiny Family Office is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Destiny Family Office?
Destiny Family Office’s main office is at 2100 Lake Eustis DR, Tavares, FL 32778. Its phone number is 844-357-1120. Its website is destinyfamilyoffice.com.