{"url":"https://nivawealth.com/firms/ruggaard-and-associates-107489","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/107489","regulatoryAum":368561588,"crd":"107489","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5603701","suffix":"III","lastName":"MAY","firstName":"JOHN","middleName":"DEAN"},{"crd":"1028988","suffix":null,"lastName":"Ruggaard","firstName":"Randall","middleName":"Paul"},{"crd":"6415983","suffix":null,"lastName":"RUGGAARD","firstName":"RYAN","middleName":"PHILIP"},{"crd":"6196325","suffix":null,"lastName":"SLEETER","firstName":"DAVID","middleName":"ADAM"},{"crd":"2546249","suffix":null,"lastName":"SLEETER","firstName":"JANIS","middleName":"SUE"},{"crd":"3176055","suffix":null,"lastName":"SLEETER","firstName":"TOM","middleName":"HOWARD"}],"total":6,"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"},"history":[{"filedOn":"2021-03-29","regulatoryAum":209077889,"clients":154,"employees":5,"offices":1},{"filedOn":"2022-07-27","regulatoryAum":238639739,"clients":160,"employees":7,"offices":2},{"filedOn":"2023-03-14","regulatoryAum":210516139,"clients":181,"employees":10,"offices":3},{"filedOn":"2024-05-30","regulatoryAum":312221509,"clients":284,"employees":10,"offices":3},{"filedOn":"2025-07-03","regulatoryAum":346919733,"clients":302,"employees":11,"offices":4},{"filedOn":"2026-03-30","regulatoryAum":368561588,"clients":314,"employees":10,"offices":4}],"secFileNumber":"801-43618","legalName":"Ruggaard 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Ruggaard & Associates offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Ruggaard & Associates charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Ruggaard & Associates use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Ruggaard & Associates have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Ruggaard & Associates invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does Ruggaard & Associates have a minimum investment?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Ruggaard & Associates?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Ruggaard & Associates get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Ruggaard & Associates registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Ruggaard & Associates?","answer":"Ruggaard & Associates’ main office is at 110 W Streetsboro St., Suite 1a, Hudson, OH 44236. Its phone number is 330-487-5888. 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