Ruggaard & Associates provides financial planning, portfolio management for individuals and small businesses, estate planning, insurance, retirement plan services, tax planning, and tax preparation. Financial planning was provided to 26–50 clients last fiscal year.
Ruggaard & Associates reports 314 clients. They include 209 individual clients and 105 high-net-worth individuals. Of its assets, 94.9% ($350M across 968 accounts) are managed with discretion; $18.8M across 30 accounts are not. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 67% | 78% |
| High-net-worth individuals | 33% | 19% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | Fewer than 5 | 3% |
| Other | Fewer than 5 | <1% |
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) | 209 | $286M | 77.6% | $1.37M |
| High-net-worth individuals | 105 | $68.8M | 18.7% | $656K |
| Charitable organizations | Fewer than 5 | $2.02M | 0.5% | — |
| Corporations and other businesses | Fewer than 5 | $9.69M | 2.6% | — |
| Other | Fewer than 5 | $2.09M | 0.6% | — |
| Total | 314 | $369M | 100% | — |
- Clients
- 209
- Regulatory AUM
- $286M
- AUM share
- 77.6%
- Avg. per client
- $1.37M
- Clients
- 105
- Regulatory AUM
- $68.8M
- AUM share
- 18.7%
- Avg. per client
- $656K
- Clients
- Fewer than 5
- Regulatory AUM
- $2.02M
- AUM share
- 0.5%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $9.69M
- AUM share
- 2.6%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $2.09M
- AUM share
- 0.6%
- Avg. per client
- —
Total
- Clients
- 314
- Regulatory AUM
- $369M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 26–50
Ruggaard & Associates charges 0.80%–1.00% a year for its Individual portfolio management (ISS). The fee is billed in advance, is negotiable, has a $800 annual minimum and requires an account of at least $100,000. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- Financial planning is billed at $100.00 to $200.00 an hour depending on the experience and level of the personnel assigned, and is due on completion of the plan.
- Retirement account management
- Managing an individual client's retirement account, such as a 401(k) or 403(b), is 0.40% a year, payable quarterly in advance.
- Tax preparation and tax planning
- Tax preparation and tax planning are billed at $100.00 to $200.00 an hour depending on the experience and level of the personnel assigned.
RM Group Holdings LLC owns 25% to 50% of Ruggaard & Associates and is in turn owned by Randall Ruggaard (75% or more). The leadership team of Ruggaard & Associates includes President John May. It has 10 employees, 6 of them in advisory roles.
Leadership
- John MayVice President, Co-Portfolio Manager
- Randall RuggaardPresident, Portfolio Manager
- Ryan RuggaardMember, CCO, Vice President, Director of Research
- David SleeterVice President, Co-Portfolio Manager
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
- John Dean May III
- Randall Paul Ruggaard
- Ryan Philip Ruggaard
- David Adam Sleeter
- Janis Sue Sleeter
- Tom Howard Sleeter
Staff
- 10 employees
- 6 in advisory functions
- 6 state-registered reps
- 1 soliciting firm
- Owns 25% to 50% of Ruggaard & Associates, LLC
RM Group Holdings LLC
Control person · since January 2022
- Owns 75% or more of RM Group Holdings LLC
Randall Ruggaard
Control person · since January 2022
- Owns 10% to 25% of Ruggaard & Associates, LLC
Sandy Bay, LLC
Control person · since January 2023
- Owns 75% or more of Sandy Bay, LLC
David Sleeter
Control person · since January 2023
- Owns 10% to 25% of Ruggaard & Associates, LLC
J 3 Capital, LLC
since December 2024
- Owns 75% or more of J 3 Capital, LLC
John May
Control person · since December 2024
- Owns 10% to 25% of Ruggaard & Associates, LLC
Samso Capital, LLC
Control person · since January 2026
- Owns 75% or more of Samso Capital, LLC
Ryan Ruggaard
Control person · since November 2025
Ruggaard & Associates’ regulatory assets grew 1.8× from $209M (March 2021) to $369M (March 2026); clients rose from 154 to 314 and employees from 5 to 10.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $369M | 314 | 10 | 4 |
| July 2025 | $347M | 302 | 11 | 4 |
| May 2024 | $312M | 284 | 10 | 3 |
| March 2023 | $211M | 181 | 10 | 3 |
| July 2022 | $239M | 160 | 7 | 2 |
| March 2021 | $209M | 154 | 5 | 1 |
Besides its headquarters, Ruggaard & Associates has 3 offices (1 private residence, listed without an address), with 3 listed addresses in Illinois and Ohio.
Illinois · 2 listed addresses
- 1200 Harger Road, Oak Brook
- 171 N Aberdeen St, Chicago
Ohio · 1 listed address
- 110 W Streetsboro St., Suite 1a, HudsonHQ
Contact and registration details
- Legal name
- Ruggaard & Associates, LLC
- Headquarters
- 110 W Streetsboro St., Suite 1a, Hudson, OH 44236
- Website
- ruggaard.net
- Phone
- 330-487-5888
- @ruggaardfinancialplanners
- SEC file
- 801-43618
- Founded
- 1993
- Structure
- Ohio LLC
- Fiscal year end
- December
Ruggaard & Associates uses Fidelity ($243M, 67%) and Charles Schwab ($122M, 33%) as custodians for its separately managed accounts. Ruggaard & Associates has custody of $120M in client assets for 115 clients.
- FidelityNational Financial Services LLC · Boston, MA · $243M67%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $122M33%
At year end, Ruggaard & Associates’ separately managed accounts were mostly in funds (81%) and stocks (19%). Its reported 13F holdings for the quarter ended 30 June 2026 total $279M across 128 positions; the largest are Capital Group Dividend Value (5.9%), J P Morgan Exchange Traded F (5.4%) and Capital Grp Fixed Incm ETF T (4.9%).
What the accounts hold
- Stocks19%
- Exchange-traded equities17%
- Non-exchange-traded equities2%
- Funds81%
Reported 13F holdings
- $279M
- Reported 13F value
- 128
- Positions
- 45.4%
- In the 10 largest
- +10.4%
- Value vs. prior quarter
- Capital Group Dividend Value · Shs Creat Unit5.9%
- J P Morgan Exchange Traded F · Ultra Shrt ETF5.4%
- Capital Grp Fixed Incm ETF T · Core Plus Incm4.9%
- Invesco Exchange Traded FD T · S&P500 Quality4.5%
- Vanguard Index Fds · Mid Cap ETF4.4%
- iShares TR · Ibonds Dec 294.4%
- iShares TR · Ibon 2026 TE ETF4.3%
- J P Morgan Exchange Traded F · Active Bond ETF4.1%
- Capital Group Gbl Growth EQT · Shs Creat Unit4.0%
- American Centy ETF TR · US Quality Grow3.6%
Together, the ten largest are 45.4% of reported value.
How many clients does Ruggaard & Associates have?
Ruggaard & Associates has 314 clients and manages $369 million for them, as of March 2026. They include 209 individual clients and 105 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026
What services does Ruggaard & Associates offer?
Ruggaard & Associates provides financial planning, portfolio management for individuals and small businesses, estate planning, insurance, retirement plan services, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Ruggaard & Associates charge?
Ruggaard & Associates charges 0.80%–1.00% a year for its Individual portfolio management (ISS). The fee is billed in advance, is negotiable, has a $800 annual minimum and requires an account of at least $100,000.
Source: 2026-03-30 RUGGAARD & ASSOCIATES FORM ADV PART 2A, filed 30 March 2026
Which custodians does Ruggaard & Associates use?
Ruggaard & Associates’ separately managed account assets are held at National Financial Services LLC (Boston, MA), with $243M and Charles Schwab & Co., Inc. (Westlake, TX), with $122M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026
How many financial advisors does Ruggaard & Associates have?
Ruggaard & Associates has 6 investment adviser representatives registered with state securities authorities, out of 10 employees, and 6 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 Ruggaard & Associates invest in?
At the end of its last fiscal year, Ruggaard & Associates’ separately managed accounts held 81% registered funds (mutual funds, ETFs, BDCs), 17% exchange-traded equities and 2% non-exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Ruggaard & Associates have a minimum investment?
Yes, Ruggaard & Associates’ minimum account size for its Individual portfolio management (ISS) is $100K. It charges a $800 annual minimum fee.
Source: 2026-03-30 RUGGAARD & ASSOCIATES FORM ADV PART 2A, filed 30 March 2026
Who owns Ruggaard & Associates?
Ruggaard & Associates is owned through holding companies by Randall Ruggaard, David Sleeter, John May and Ryan Ruggaard. Its direct owners are RM Group Holdings LLC, Sandy Bay, LLC, J 3 Capital, LLC and Samso Capital, LLC, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 30 March 2026
How does Ruggaard & Associates get paid?
Ruggaard & Associates is paid through a percentage of assets under management and performance-based fees. Its Form ADV lists no commissions among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Ruggaard & Associates registered with the SEC?
Yes, Ruggaard & Associates has been registered with the SEC as an investment adviser since 31 March 1993. Its CRD number is 107489 and its SEC file number is 801-43618.
Source: Form ADV Part 1A, Item 1, filed 30 March 2026; IAPD firm record
How do I contact Ruggaard & Associates?
Ruggaard & Associates’ main office is at 110 W Streetsboro St., Suite 1a, Hudson, OH 44236. Its phone number is 330-487-5888. Its website is ruggaard.net.