Ruggiero Investments provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and educational seminars.
Ruggiero Investments reports 399 clients. They include 366 individual clients, 26 high-net-worth individuals, and 7 corporations and other businesses. Of its assets, 100.0% ($138M across 767 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 92% | 39% |
| High-net-worth individuals | 7% | 46% |
| Pension and profit-sharing plans | Fewer than 5 | 14% |
| Corporations and other businesses | 2% | 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) | 366 | $53M | 38.6% | $145K |
| High-net-worth individuals | 26 | $63.6M | 46.2% | $2.45M |
| Pension and profit-sharing plans | Fewer than 5 | $19.2M | 14.0% | — |
| Corporations and other businesses | 7 | $1.75M | 1.3% | $250K |
| Total | 399 | $138M | 100% | — |
- Clients
- 366
- Regulatory AUM
- $53M
- AUM share
- 38.6%
- Avg. per client
- $145K
- Clients
- 26
- Regulatory AUM
- $63.6M
- AUM share
- 46.2%
- Avg. per client
- $2.45M
- Clients
- Fewer than 5
- Regulatory AUM
- $19.2M
- AUM share
- 14.0%
- Avg. per client
- —
- Clients
- 7
- Regulatory AUM
- $1.75M
- AUM share
- 1.3%
- Avg. per client
- $250K
Total
- Clients
- 399
- Regulatory AUM
- $138M
- 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
Ruggiero Investments charges up to 2.50% a year for its Portfolio Management Services. The fee is billed in advance, is negotiable and requires an account of at least $25,000. The brochure also prices 4 other services, listed under fee details.
Fee details and sources
Other fees
- Estate planning (Estately FreeWill)
- Project-based estate planning fee starting at $1,000 for an individual estate plan, based on scope and complexity.
- Financial planning (fixed fee)
- Creating a client financial plan is a fixed fee of $50,000, negotiable and paid in advance.
- Financial planning (hourly)
- Hourly financial planning fees are $2,000 per hour, negotiable and paid in advance.
- Pension consulting
- Pension consulting is charged 2.50% annually on $25,000 to $2,999,999 and 1.25% annually from $3,000,000, negotiable.
Thomas Ruggiero owns 50% to 75% of Ruggiero Investments. The leadership team of Ruggiero Investments includes President Thomas Ruggiero and Chief Compliance Officer Christopher Ruggiero. It has 5 employees, 4 of them in advisory roles.
Staff
- 5 employees
- 4 in advisory functions
- 4 broker-dealer reps
- 3 insurance agents
- Owns 50% to 75% of Ruggiero Investments, Inc.
Thomas Ruggiero
Control person · since August 2013
Ruggiero Investments’ regulatory assets grew from $114M (July 2025) to $138M (March 2026); clients fell from 484 to 399 and employees rose from 3 to 5.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $138M | 399 | 5 | 5 |
| Jul 2025July 2025 | $114M | 484 | 3 | 4 |
Besides its headquarters, Ruggiero Investments has 4 offices, with 5 listed addresses across 2 states.
Florida · 4 listed addresses
- 500 S. Austrailian Avenue, Suite 608, West Palm BeachHQ
- 3159 Alzante Circle, Melbourne
- 300 Se 2nd St Suite 600, FT. Lauderdale
- 1860 SW Fountainview BLVD, Port St. Lucie
New York · 1 listed address
- 407 E Main St., Port Jefferson
Contact and registration details
- Legal name
- Ruggiero Investments, Inc.
- Headquarters
- 500 S. Austrailian Avenue, Suite 608, West Palm Beach, FL 33401
- Website
- ruggieroinvestments.com
- Phone
- 800-777-4726
- SEC file
- 801-131800
- Structure
- Florida corporation
- Fiscal year end
- December
Ruggiero Investments’ named custodian for separately managed accounts is Charles Schwab ($137M). Ruggiero Investments has custody of $42.2M for 166 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $137M100%
At year end, Ruggiero Investments’ separately managed accounts were mostly in stocks (84%). Its reported 13F holdings for the quarter ended 30 June 2026 total $119M across 89 positions; the largest are Nvidia Corporation (10.3%), State Str SPDR S&P 500 ETF T (8.9%) and Invesco Qqq TR (7.8%).
What the accounts hold
- Stocks84%
- Funds3%
- Bonds4%
- U.S. government and agency bonds2%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash8%
Filed values cover 99%. The neutral 1% gap has no reported category.
How many clients does Ruggiero Investments have?
Ruggiero Investments has 399 clients and manages $138 million for them, as of March 2026. They include 366 individual clients, 26 high-net-worth individuals, and 7 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026
What services does Ruggiero Investments offer?
Ruggiero Investments provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Ruggiero Investments charge?
Ruggiero Investments charges up to 2.50% a year for its Portfolio Management Services. The fee is billed in advance, is negotiable and requires an account of at least $25,000.
Source: RUGGIERO ADV FIRM BROCHURE PART 2A, filed 8 October 2026
Which custodians does Ruggiero Investments use?
Ruggiero Investments’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $137M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026
How many financial advisors does Ruggiero Investments have?
Ruggiero Investments has 0 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. 4 employees are registered representatives of a broker-dealer and 3 employees are 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 Ruggiero Investments invest in?
At the end of its last fiscal year, Ruggiero Investments’ separately managed accounts held 84% exchange-traded equities, 8% cash and equivalents, 3% registered funds (mutual funds, ETFs, BDCs), 2% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Ruggiero Investments have a minimum investment?
Yes, Ruggiero Investments’ minimum account size for its Portfolio Management Services is $25K.
Source: RUGGIERO ADV FIRM BROCHURE PART 2A, filed 8 October 2026
Who owns Ruggiero Investments?
Ruggiero Investments’ direct owner is Thomas Ruggiero (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 24 March 2026
How does Ruggiero Investments get paid?
Ruggiero Investments is paid through a percentage of assets under management, hourly charges and fixed fees. 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 Ruggiero Investments?
Ruggiero Investments’ main office is at 500 S. Austrailian Avenue, Suite 608, West Palm Beach, FL 33401. Its phone number is 800-777-4726. Its website is ruggieroinvestments.com.
