The Evolution of Destiny Wealth Partners
For more than three decades, Ruggie Wealth Management built something rare: enduring relationships, disciplined strategies, and meaningful outcomes for the families we served. Not just portfolios — futures.
As our clients’ lives became more sophisticated, our role evolved beyond traditional wealth management. We found ourselves helping families navigate pivotal life decisions, define long-term purpose, and create clarity around what they truly wanted their wealth to accomplish.
That evolution led to a realization:
Financial planning is not just about managing money. It’s about helping people pursue the life they envision for themselves and the generations that follow.
That realization is what inspired the transition from Ruggie Wealth Management to Destiny Wealth Partners.
While the name has evolved, the foundation remains unchanged: trusted relationships, disciplined guidance, and a commitment to helping clients pursue extraordinary outcomes with confidence and clarity.
Why “Destiny”
We believe wealth, when built and managed thoughtfully, should connect to something greater than a balance sheet.
It should create freedom.
It should expand possibilities.
It should support legacy, impact, and the ability to make decisions on your own terms.
The name Destiny Wealth Partners reflects exactly that philosophy.
“Destiny” represents the outcomes our clients are working toward — financial independence, security, legacy, flexibility, and purpose.
“Partners” reflects how we work alongside clients: collaboratively, proactively, and with genuine accountability.
Our mission is simple:
To be a trusted partner helping clients pursue their Destiny.
Built on Discipline, Relationships, and a Refusal to Be Complacent
“It’s the small things that make the difference. We do a very good job on the small things.”
— Tom Ruggie, InvestmentNews, October 2024
A Firm Built on What Matters Most
Destiny Wealth Partners is a nationally recognized, independent, fee-only wealth management firm proudly serving clients across Florida and beyond.
- 30+ Years of Client Relationships
- $1B+ Assets Under Management
- 5 Office Locations Across Florida
The People Behind the Plan
Credentials open doors. Character keeps them open. Every advisor, analyst, and team member at Destiny was chosen for both — because your financial life deserves more than expertise alone. It deserves people who care about getting it right as much as you do.
What We Stand For
“We built this firm around one simple belief: clients deserve the same level of care and strategy I would expect for my own family.”
Relationships First
Every strategy begins with trust. We're in the business of people, not just portfolios.
Precision in Every Detail
We believe trust is built through accuracy, consistency, and thoughtful execution—every detail matters because every client matters.
Integrity Without Exception
We do the right thing. No asterisks. No grey areas.
Relentless Standards
Complacency is the enemy of wealth. We don't coast.
Collective Purpose
Every member of our team serves the bigger picture — yours.
The Pursuit, Not the Finish Line
We aim for perfection knowing the real value is in the discipline of chasing it.
Our Process
Strong financial outcomes are built through structure, discipline, and continuous refinement.
Our process is designed to evolve alongside each client’s life, goals, and priorities.
Discovery Through the Wealth Scorecard
“If we were meeting one year from today, what would need to happen for you to feel this process has been tremendously valuable?”
That answer becomes the foundation for everything that follows.
Data Collection & Risk Analysis
Strategic Planning
– Independence Analysis
Retirement Distribution System (RDS)
– Strength in Numbers Analysis
– Comprehensive planning through EMoney
This phase creates clarity around your current position and the path forward.
Retirement Distribution Strategy (RDS)
Ongoing Monitoring & Communication
– Regular reviews
– Ongoing communication
– Weekly market commentary
– Trade notifications
– Strategic adjustments as life evolves
Repeat & Refine
The Planning Tools Behind Our Process
Our process is supported by a suite of proprietary and institutional-level planning tools designed to simplify complexity and create greater confidence in decision-making.
Wealth Scorecard
Risk Tolerance Questionnaire (RTQ)
Retirement Distribution Strategy (RDS)
Strength in Numbers Analysis
eMoney Client Portal
Our Investment Philosophy
The financial plan drives the investment strategy — not the other way around.
Every portfolio is designed around the client’s individual goals, time horizon, income needs, and tolerance for risk.
Our philosophy combines disciplined portfolio construction with access to alternative investment opportunities and sophisticated strategies not typically available through traditional wealth management firms.
Investment decisions are never made in isolation. They are made within the context of a comprehensive plan designed to support long-term outcomes.
Winter Park, Florida
With its beautiful tree-lined streets, vibrant culture, and timeless charm, Winter Park is a community built on connection and excellence. Our Winter Park office reflects those same values by offering thoughtful retirement and wealth planning guidance tailored to your goals. We invite you to stop by and meet our warm, experienced team — we’re here to help you build a confident financial future.
Jacksonville, Florida
Nestled in one of Florida’s most vibrant and growing cities, our Jacksonville office is proud to serve individuals and families throughout Northeast Florida. Whether you’re preparing for retirement, building long-term wealth, or seeking trusted financial guidance, our experienced and welcoming team is here to help. Stop by and visit us — we’re committed to helping you navigate your financial future with confidence and care.
The Villages, Florida
Located in one of the nation’s premier active adult communities, our office in The Villages is uniquely positioned to help retirees and pre-retirees make the most of their next chapter. From retirement income strategies to wealth preservation and legacy planning, our caring team is here to provide personalized support every step of the way. Stop in and meet with us — we’re ready to help you enjoy retirement with confidence.
Boca Raton, Florida
Known for its coastal beauty, sophistication, and thriving business community, Boca Raton is the perfect setting for thoughtful financial planning and long-term wealth management. Our Boca Raton team is passionate about helping clients prepare for retirement, protect their assets, and pursue lasting financial confidence. Stop by and visit us — our knowledgeable and caring professionals team; Nichols Wealth Partners are ready to help you every step of the way.
Industry Recognition
Destiny Wealth Partners and founder Tom Ruggie have received independent recognition from several leading industry organizations, including:
- 2024 InvestmentNews RIA Team of the Year
- Forbes Top 250 RIA Firms (2025) #6 in Florida
- 2025 InvestmentNews Five-Star RIA Firm
- Newsweek Top 250 Financial Advisory Firms
- Barron’s Top 1200 Advisors
- Forbes Best-in-State Wealth Advisors. #2 North Florida
- Financial Advisor Magazine Top RIAs
These recognitions reflect our team’s commitment to consistency, service, and long-term client relationships.
What Hasn’t Changed
The firm has grown.
The name has evolved.
The tools and strategies have advanced.
But the philosophy that inspired Tom Ruggie to found Ruggie Wealth Management in 1995 remains unchanged today:
A commitment to serving clients with integrity, discipline, and genuine care.
We still believe relationships should last decades.
We still believe details matter.
And we still believe there is always a higher standard worth pursuing.
We listen before we advise. Every recommendation, strategy, and decision begins with understanding what matters most to the individual or family in front of us.
Today, through five locations and the Destiny Wealth Partners platform, we proudly manage more than $1 billion in assets under management. While the firm has evolved, ownership remains exactly where it began — Destiny Wealth Partners continues to be independently owned by founder Tom Ruggie and the firm’s managing partners.
Ready to Explore What’s Possible?
Whether you are planning for retirement, navigating significant wealth, or building a long-term legacy, Destiny Wealth Partners is committed to helping you move forward with confidence and clarity.
Schedule a Consultation