{"url":"https://nivawealth.com/firms/destiny-family-office-338015","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/338015","regulatoryAum":605068786,"crd":"338015","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4191125","suffix":null,"lastName":"Clark","firstName":"Robert","middleName":null},{"crd":"7727805","suffix":null,"lastName":"Hopper","firstName":"Ronald","middleName":"Joseph"},{"crd":"6399456","suffix":null,"lastName":"Kwentus","firstName":"Eliza","middleName":"Fryer"},{"crd":"5324890","suffix":null,"lastName":"MANCUSO","firstName":"AUDREY","middleName":"MARIE"},{"crd":"3192244","suffix":null,"lastName":"Nichols","firstName":"Christopher","middleName":"George"},{"crd":"5420761","suffix":null,"lastName":"ROMERO","firstName":"JORGE","middleName":"A"},{"crd":"2193305","suffix":null,"lastName":"RUGGIE","firstName":"THOMAS","middleName":"HUEY"},{"crd":"6651904","suffix":null,"lastName":"WASSMER","firstName":"JEREMIAH","middleName":"ELIJAH"}],"total":8,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"secFileNumber":"801-134301","legalName":"Destiny Family Office, LLC","displayName":"Destiny Family Office","slug":"destiny-family-office-338015","website":"https://destinyfamilyoffice.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Florida limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2100 Lake Eustis DR","city":"Tavares","state":"FL","stateName":"Florida","country":"United States","postalCode":"32778"},"tradeNames":[],"registration":{"secApproved":"19 September 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":9511858.193548387,"staff":{"employees":7,"advisory":7,"brokerDealerReps":0,"insuranceAgents":0,"promoters":2},"aum":{"regulatory":605068786,"discretionary":524832072,"discretionaryAccounts":234,"nonDiscretionary":80236714,"nonDiscretionaryAccounts":60,"wrapProgram":243258875,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":34,"regulatoryAum":9400390},{"label":"High-net-worth individuals","clients":28,"regulatoryAum":580334818},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":15333578}],"feePrograms":[{"role":"other","program":"Family Office Services","summary":"An annual percentage of assets under management or advisement, set by the Family Office Client Agreement; the schedule may vary by client.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057979","versionId":1057979,"submittedOn":"2026-09-15","documentName":"DFO FORM ADV PART 2A DISCLOSURE BROCHURE"},{"role":"other","program":"Financial Planning and Consulting (Stand-Alone)","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057979","versionId":1057979,"submittedOn":"2026-09-15","documentName":"DFO FORM ADV PART 2A DISCLOSURE BROCHURE"},{"role":"other","program":"Retirement Plan Advisory Services","summary":"Priced up to 1.45% of assets under management, based on plan size, scope of services and other factors; negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057979","versionId":1057979,"submittedOn":"2026-09-15","documentName":"DFO FORM ADV PART 2A DISCLOSURE BROCHURE"},{"role":"other","program":"Variable Annuity Management","summary":"An annual fixed percentage of variable annuity sub-account assets, agreed in the client agreement and billed quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057979","versionId":1057979,"submittedOn":"2026-09-15","documentName":"DFO FORM ADV PART 2A DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T07:58:47.62414+00:00","documents":[{"name":"DFO FORM ADV PART 2A DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057979","versionId":1057979,"submittedOn":"2026-09-15"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057980","versionId":1057980,"submittedOn":null}]},"custodians":[{"name":"Goldman Sachs & Co. LLC","shortName":"Goldman Sachs & Co.","location":"New York, NY","smaAssets":260956862},{"name":"First Trust Portfolios L.P.","shortName":"First Trust Portfolios","location":"Wheaton, IL","smaAssets":153340996},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":133737333}],"custodyNote":"Destiny Family Office does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Thomas Ruggie","title":"Managing Member/Chief Compliance Officer","crd":"2193305"},{"name":"Audrey Mancuso","title":"Member","crd":"5324890"},{"name":"Jorge Romero","title":"Member","crd":"5420761"}],"ownership":[{"label":"Thomas H. Ruggie Revocable Trust DTD 1/18/2001","detail":"Member in the 75% or more ownership band and a control person, since October 2025."},{"label":"Robert L. Clark Revocable Trust DTD 9/29/2014","detail":"Member in the 10% to 25% ownership band, since October 2025."},{"label":"Thomas Ruggie","detail":"Indirect owner: a owner/trustee of Thomas H. Ruggie Revocable Trust DTD 1/18/2001 in the 75% or more band and a control person, since October 2025.","parent":"Thomas H. Ruggie Revocable Trust DTD 1/18/2001"},{"label":"Robert Clark","detail":"Indirect owner: owner/trustee of Robert L. Clark Revocable Trust DTD 9/29/2014 and a control person, since October 2025.","parent":"Robert L. Clark Revocable Trust DTD 9/29/2014"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":2,"addresses":[{"street":"2100 Lake Eustis DR","city":"Tavares","headquarters":true},{"street":"620 N. Denning DR.","city":"Winter Park"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"844-357-1120","stateRegisteredReps":7,"otherAdviserReps":7,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for pooled investment vehicles (other than investment companies)","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":21},{"label":"U.S. state and local bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":33},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":7},{"label":"Cash and cash equivalents","percent":7},{"label":"Other","percent":31,"detail":"Alternative Assets"}],"privateFunds":0},"sources":{"adv1FilingDate":"16 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/338015/PDF/338015.pdf","brochureDate":"15 September 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057979","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Destiny Family Office have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Destiny Family Office offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Destiny Family Office use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Destiny Family Office have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Destiny Family Office invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Destiny Family Office?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Destiny Family Office get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Destiny Family Office?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 16 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}