FEATURED WINNER
Destiny Wealth Partners
“I had a picture of a house, and the house was Premiere Mortgage Centre”
Kerri Reed,
Premiere Mortgage Centre
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WINNER:
RIA Team of the Year
(10 Advisors or More)
DestinyWealthPartners.com
linkedin.com/company/destiny-family-office
tom@destinyfamilyoffice.com
352 343 2700
2100 Lake Eustis Dr. Tavares, FL 32778
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WINNER:
RIA Team of the Year
(10 Advisors or More)
Destiny Wealth Partners
facebook.com/RuggieWealth
@meritfinadvisor
1188 Whakue St, Rotorua Central, Rotorua
@TomRuggie
Can you give us an overview of intelliflo?
intelliflo was founded in 2021 through the merger of five independent software businesses by our parent company, Invesco. Our comprehensive solutions encompass a wide range of capabilities, such as financial planning, practice management, digital account opening, reporting, indexing, rebalancing and trading of portfolios, and even outsourced services. Our technology is seamlessly integrated across all advisory functions, streamlining the management of complex portfolios and practices.
The Lakes College Culinary Club (TLCCC) started with a team of 12 students and has now expanded to over 30 members, showcasing its continued success through participation in college events and even catering for local community organisations. This program not only imparts valuable culinary skills but also teaches the significance of community service, fosters practical abilities and cultivates a professional work ethic.
Spanning ages 11 to 18, the Culinary Club challenges students to create elaborate six-course degustation dinners and manage large-scale catering for college gatherings. Chloe, a Year 7 student, praises the program for imparting essential life skills in an enjoyable way among friends. Likewise, Emily values the connections she forms despite the program’s demanding pace.
Under the guidance of Chef Joel, TLCCC contributes to the college’s ethos and the students’ personal growth. The program’s commitment to local ingredients and culinary adventures is evident as it expands to include barista training and Responsible Service of Alcohol certification. The program seamlessly merges science, art and food technology, promoting discipline and shared responsibility. TLCCC embodies a commitment to service, community engagement and student leadership, cementing its unique character and contribution to The Lakes College.
The Lakes College Culinary Club (TLCCC) started with a team of 12 students and has now expanded to over 30 members, showcasing its continued success through participation in college events and even catering for local community organisations. This program not only imparts valuable culinary skills but also teaches the significance of community service, fosters practical abilities and cultivates a professional work ethic.
Spanning ages 11 to 18, the Culinary Club challenges students to create elaborate six-course degustation dinners and manage large-scale catering for college gatherings. Chloe, a Year 7 student, praises the program for imparting essential life skills in an enjoyable way among friends. Likewise, Emily values the connections she forms despite the program’s demanding pace.
Under the guidance of Chef Joel, TLCCC contributes to the college’s ethos and the students’ personal growth. The program’s commitment to local ingredients and culinary adventures is evident as it expands to include barista training and Responsible Service of Alcohol certification. The program seamlessly merges science, art and food technology, promoting discipline and shared responsibility. TLCCC embodies a commitment to service, community engagement and student leadership, cementing its unique character and contribution to The Lakes College.
@franklintempleton
With a tradition of innovation spanning over 30 years, the team of independent RIA Destiny Wealth Partners believes in doing the right thing, never accepting complacency, and leading the curve of "what's new and what's next."
Conducting business as Destiny Family Office, Ruggie Wealth Management, and Nichols Wealth Partners, the firm caters to clients who are delegators of financial empowerment, strategic thinkers, informed decision-makers, and those seeking high levels of service and proactive communication.
In July 2023, under the leadership of financial industry veteran Tom Ruggie, ChFC®, CFP®, Destiny Wealth Partners’ growth mindset and drive for innovation propelled them to exceed $1 billion in managed assets, earning them a place among InvestmentNews' 75 Fastest-Growing, Fee-Only RIAs.
Their clients have come to expect meticulous attention to detail, integrity, continuous innovation, and a deep understanding of their unique financial situations. Financial strategies are designed to help simplify their clients' lives, and to enable them to focus on what’s most important to them.
Expanding Our Capabilities
In 2017, Tom expanded his core wealth management capabilities by founding Destiny Family Office, which caters to clients with a net worth of over $20 million. Capabilities include privileged access to sophisticated private, direct, and co-investment opportunities, supported by industry-leading research. Historically, these investments have included private, high-profile companies such as SpaceX, Stripe, xAI, Anduril and Reddit.
As a lifelong collector with a world-class sports memorabilia collection, Tom has created a unique niche serving other top-tier collectors, helping them to integrate collectibles into every aspect of their wealth, estate, and tax planning. His development of a proprietary collectibles Scorecard offers collectors unique insights into where they are, and where they ideally want to be in areas including the acquisition, disposition, documentation, valuation, and protection of their collections.
The firm’s continuous drive for innovation elevates what is already great and creates new solutions to serve clients at higher levels of excellence.
We Are Our Clients
Tom recognizes that he shares similar challenges and circumstances with his clients and is a personal client of Destiny Family Office. This understanding enables him and his team to provide a highly personal approach that has at its foundation a commitment to live their core values daily, and always do what is best for their clients.
Combining their intellectual capital, emotional intelligence, and agility make them adept at problem-solving and enhancing our client experience.
Ahead of the Curve
According to Tom, innovation today looks significantly different than it did five years ago and will likely look far different five years from now. The firm's commitment to staying ahead of the curve is evident in some of the strategic decisions they’ve made, including:
• Transitioning to a fee-only model -1998
• Establishing their own RIA - 2007
• Founding their own multi-family office - 2017
• Launching the Destiny Alternative Fund, Destiny Alternative Fund II, and Destiny Target Outcome Fund, and providing privileged access to alternative, direct, and co-investments - 2020
• Creating a niche in the high-net-worth collectibles space - 2022
Looking ahead, Destiny Wealth Partners aims to expand its family office services, next-gen model, and further develop its investment offerings.
@blackfishfinance
Chris Nichols
Founder, Managing Partner & Senior Wealth Advisor – Nichols Wealth Partners
Jorge Romero, CFP®
Partner and Senior Wealth Advisor
Rob Clark, CFP®
Managing Partner and President
Audrey Mancuso, CFP®
Managing Partner
Thomas Ruggie, ChFC®, CFP®
Founder and CEO
Audrey’s passion for educating and assisting individuals pursue their financial goals started in 2006, and she joined Ruggie Wealth Management in 2011. She quickly grew into a leadership position, helping provide oversight, support and procedural process within the firm.
In 2017, when Destiny Wealth Partners CEO & Founder Tom Ruggie began Destiny Family Office, centered around clientele with advanced wealth strategy needs, Audrey began working alongside him to help create holistic plans for Family Office clients – HNW and UHNW entrepreneurs, executives and multi-generational families with highly complex needs. In 2018, she was promoted to Managing Partner.
Managing Partner
Audrey Mancuso, CFP®
A 30+ year investment and financial planning veteran, Tom founded Destiny Wealth Partners, which manages more than $1B in assets. In 2017, he founded Destiny Family Office to help ultra-high-net-worth individuals and families face increasing complexities inherent in their business and personal lives. Capabilities include privileged access to alternative, direct and co-investment opportunities for QPs, and a deepening prominence on integrating valuable collectibles as an asset class.
He has received national recognition as an author, speaker, and for rankings which include InvestmentNews Awards 2024 Top RIA Team (10 Advisors or More) and InvestmentNews 75 Fastest-Growing, Fee-Only RIAs in 2023.
Founder and CEO
Thomas Ruggie, ChFC®, CFP®
Rob has helped clients work toward long-term financial security for their families and businesses since 2001. His goal is to help clients grow, protect, and manage their assets in the most tax-efficient manner. With attention to detail and organizational skill, Rob effectively manages clients’ portfolios, creating an integrated strategy aimed at meeting their investment and retirement objectives.
Rob has a special focus on longevity planning and holds a bachelor’s degree from the University of Central Florida. He serves on the Orange County Children and Family Services Board and Orange County Animal Services Classification Board and is a Leadership Orlando Alumni.
Managing Partner and President
Rob Clark, CFP®
Jorge began his career in financial services in 2004 after having served honorably in The United States Marine Corps. He works closely with clients and their families to develop comprehensive wealth management solutions designed to help clients achieve their goals, and his areas of focus include lifestyle funding and cash flow analysis, tax planning, estate planning, risk management, family governance and philanthropic planning.
In addition to working directly with clients & their families, Jorge also leads Destiny Wealth Partners’ Investment Committee, helping with the firm’s investment policy formation, asset allocation strategy, manager research & selection, and portfolio performance monitoring.
Partner and Senior Wealth Advisor
Jorge Romero, CFP®
Chris has been in the financial services industry for more than two decades and specializes in comprehensive wealth planning for high-net-worth clients. He has a tradition of creating personalized strategies based on their unique wealth management and investment objectives. Over the years, he has held hundreds of public and private investment planning workshops that are designed to inform and educate individuals about asset protection, investing and retirement planning.
The South Florida native earned a bachelor’s degree in business administration with a minor in economics from University of Florida. He serves as investment committee member of the George Snow Scholarship Fund.
Founder, Managing Partner & Senior Wealth Advisor – Nichols Wealth Partners
Chris Nichols
Rob Clark, CFP®
Managing Partner and President
Jorge Romero, CFP®
Partner and Senior Wealth Advisor
Audrey Mancuso, CFP®
Managing Partner
Thomas Ruggie, ChFC®, CFP®
Founder and CEO
Chris Nichols
Founder, Managing Partner & Senior Wealth Advisor – Nichols Wealth Partners
Leadership
Chris has been in the financial services industry for more than two decades and specializes in comprehensive wealth planning for high-net-worth clients. He has a tradition of creating personalized strategies based on their unique wealth management and investment objectives. Over the years, he has held hundreds of public and private investment planning workshops that are designed to inform and educate individuals about asset protection, investing and retirement planning.
The South Florida native earned a bachelor’s degree in business administration with a minor in economics from University of Florida. He serves as investment committee member of the George Snow Scholarship Fund.
Founder, Managing Partner & Senior Wealth Advisor – Nichols Wealth Partners
Chris Nichols
Jorge began his career in financial services in 2004 after having served honorably in The United States Marine Corps. He works closely with clients and their families to develop comprehensive wealth management solutions designed to help clients achieve their goals, and his areas of focus include lifestyle funding and cash flow analysis, tax planning, estate planning, risk management, family governance and philanthropic planning.
In addition to working directly with clients & their families, Jorge also leads Destiny Wealth Partners’ Investment Committee, helping with the firm’s investment policy formation, asset allocation strategy, manager research & selection, and portfolio performance monitoring.
Partner and Senior Wealth Advisor
Jorge Romero, CFP®
Rob has helped clients work toward long-term financial security for their families and businesses since 2001. His goal is to help clients grow, protect, and manage their assets in the most tax-efficient manner. With attention to detail and organizational skill, Rob effectively manages clients’ portfolios, creating an integrated strategy aimed at meeting their investment and retirement objectives.
Rob has a special focus on longevity planning and holds a bachelor’s degree from the University of Central Florida. He serves on the Orange County Children and Family Services Board and Orange County Animal Services Classification Board and is a Leadership Orlando Alumni.
Managing Partner and President
Rob Clark, CFP®
Audrey’s passion for educating and assisting individuals pursue their financial goals started in 2006, and she joined Ruggie Wealth Management in 2011. She quickly grew into a leadership position, helping provide oversight, support and procedural process within the firm.
In 2017, when Destiny Wealth Partners CEO & Founder Tom Ruggie began Destiny Family Office, centered around clientele with advanced wealth strategy needs, Audrey began working alongside him to help create holistic plans for Family Office clients – HNW and UHNW entrepreneurs, executives and multi-generational families with highly complex needs. In 2018, she was promoted to Managing Partner.
Managing Partner
Audrey Mancuso, CFP®
A 30+ year investment and financial planning veteran, Tom founded Destiny Wealth Partners, which manages more than $1B in assets. In 2017, he founded Destiny Family Office to help ultra-high-net-worth individuals and families face increasing complexities inherent in their business and personal lives. Capabilities include privileged access to alternative, direct and co-investment opportunities for QPs, and a deepening prominence on integrating valuable collectibles as an asset class.
He has received national recognition as an author, speaker, and for rankings which include InvestmentNews Awards 2024 Top RIA Team (10 Advisors or More) and InvestmentNews 75 Fastest-Growing, Fee-Only RIAs in 2023.
Founder and CEO
Thomas Ruggie, ChFC®, CFP®
Rob Clark, CFP®
Managing Partner and President
Jorge Romero, CFP®
Partner and Senior Wealth Advisor
Audrey Mancuso, CFP®
Managing Partner
Thomas Ruggie, ChFC®, CFP®
Founder and CEO
Chris Nichols
Founder, Managing Partner & Senior Wealth Advisor – Nichols Wealth Partners
Leadership
Chris has been in the financial services industry for more than two decades and specializes in comprehensive wealth planning for high-net-worth clients. He has a tradition of creating personalized strategies based on their unique wealth management and investment objectives. Over the years, he has held hundreds of public and private investment planning workshops that are designed to inform and educate individuals about asset protection, investing and retirement planning.
The South Florida native earned a bachelor’s degree in business administration with a minor in economics from University of Florida. He serves as investment committee member of the George Snow Scholarship Fund.
Founder, Managing Partner & Senior Wealth Advisor – Nichols Wealth Partners
Chris Nichols
Jorge began his career in financial services in 2004 after having served honorably in The United States Marine Corps. He works closely with clients and their families to develop comprehensive wealth management solutions designed to help clients achieve their goals, and his areas of focus include lifestyle funding and cash flow analysis, tax planning, estate planning, risk management, family governance and philanthropic planning.
In addition to working directly with clients & their families, Jorge also leads Destiny Wealth Partners’ Investment Committee, helping with the firm’s investment policy formation, asset allocation strategy, manager research & selection, and portfolio performance monitoring.
Partner and Senior Wealth Advisor
Jorge Romero, CFP®
Rob has helped clients work toward long-term financial security for their families and businesses since 2001. His goal is to help clients grow, protect, and manage their assets in the most tax-efficient manner. With attention to detail and organizational skill, Rob effectively manages clients’ portfolios, creating an integrated strategy aimed at meeting their investment and retirement objectives.
Rob has a special focus on longevity planning and holds a bachelor’s degree from the University of Central Florida. He serves on the Orange County Children and Family Services Board and Orange County Animal Services Classification Board and is a Leadership Orlando Alumni.
Managing Partner and President
Rob Clark, CFP®
Audrey’s passion for educating and assisting individuals pursue their financial goals started in 2006, and she joined Ruggie Wealth Management in 2011. She quickly grew into a leadership position, helping provide oversight, support and procedural process within the firm.
In 2017, when Destiny Wealth Partners CEO & Founder Tom Ruggie began Destiny Family Office, centered around clientele with advanced wealth strategy needs, Audrey began working alongside him to help create holistic plans for Family Office clients – HNW and UHNW entrepreneurs, executives and multi-generational families with highly complex needs. In 2018, she was promoted to Managing Partner.
Managing Partner
Audrey Mancuso, CFP®
A 30+ year investment and financial planning veteran, Tom founded Destiny Wealth Partners, which manages more than $1B in assets. In 2017, he founded Destiny Family Office to help ultra-high-net-worth individuals and families face increasing complexities inherent in their business and personal lives. Capabilities include privileged access to alternative, direct and co-investment opportunities for QPs, and a deepening prominence on integrating valuable collectibles as an asset class.
He has received national recognition as an author, speaker, and for rankings which include InvestmentNews Awards 2024 Top RIA Team (10 Advisors or More) and InvestmentNews 75 Fastest-Growing, Fee-Only RIAs in 2023.
Founder and CEO
Thomas Ruggie, ChFC®, CFP®