Destiny Wealth Partners, LLC (SEC-registered fiduciary Investment Adviser, CRD #171346, SEC File #801-79717; operating alongside Destiny Family Office, CRD #338015, and Ruggie Wealth Management) is an independent fee-based fiduciary wealth management and retirement planning firm headquartered on Lake Eustis Drive in Tavares, Florida. Founded in 1991 by Chief Executive Officer Thomas H. "Tom" Ruggie, CFP®, ChFC® (CRD #2193305) and co-led by Managing Partner Audrey M. Mancuso, CFP® (CRD #5324890), the firm serves Lake County retirees and high-net-worth families across Tavares, Mount Dora, Leesburg, and Clermont with tax-efficient RMD withdrawal strategies, FRS DROP and 401(k) rollovers, Medicare IRMAA bracket management, and multi-generational family office estate coordination.
Official Verification Sources: SEC Investment Adviser Public Disclosure (Destiny Wealth Partners, LLC); SEC IAPD Individual Profile (Thomas H. Ruggie, CFP®, ChFC®); SEC IAPD Individual Profile (Audrey M. Mancuso, CFP®); Destiny Wealth Partners Official Website
Issuer: Securities and Exchange Commission (SEC)
Notes: SEC File #801-79717 (Destiny Wealth Partners, LLC, d/b/a Ruggie Wealth Management and Destiny Family Office, CRD #338015); independent fiduciary Registered Investment Adviser headquartered at 2100 Lake Eustis Dr, Tavares, FL 32778. Established 1991; fee-based fiduciary AUM & flat-fee planning; acceptsMedicaid: false, acceptsMedicare: false.
Issuer: CFP Board / SEC
Notes: Founded and led by CEO Thomas H. Ruggie, CFP®, ChFC® (CRD #2193305, practicing in Lake County since 1991) and Managing Partner Audrey M. Mancuso, CFP® (CRD #5324890).
Factual details and direct answers about Destiny Wealth Partners, LLC's services, licensing, and credentials.
What is the SEC registration and fiduciary status of Destiny Wealth Partners in Tavares?
Destiny Wealth Partners, LLC (formerly Ruggie Wealth Management) is an active, independent SEC-registered fiduciary Investment Adviser operating under CRD #171346 and SEC File #801-79717 (alongside Destiny Family Office, CRD #338015) from its Lake County headquarters at 2100 Lake Eustis Drive in Tavares, Florida.
How does Destiny Wealth Partners help Lake County retirees with taxes and retirement income?
Led by Certified Financial Planner™ professionals Tom Ruggie, CFP®, ChFC® (CRD #2193305) and Audrey Mancuso, CFP® (CRD #5324890), the firm designs customized retirement income streams, FRS DROP and 401(k) rollovers, tax-efficient Required Minimum Distribution (RMD) schedules, Roth conversions, and Medicare IRMAA surcharge mitigation for retirees in Tavares, Mount Dora, Leesburg, and Clermont.
Connect with complementary legal, financial, and residential providers serving seniors in Tavares and Lake County.
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
How to Find the Right Financial Planner →
Key questions to ask when selecting a fiduciary retirement planner in Florida.
Financial Planning for Florida Seniors →
Comprehensive retirement income, tax, and estate planning strategies for Florida residents.
Florida Senior Property Tax Exemptions →
Complete guide to Lake County senior property tax exemptions and Save Our Homes portability.
Belton Financial Group of Raymond James
Tavares, Lake County
Ballard Financial Group (Ballard Wealth Management LLC)
Clermont, Lake County
Stewardship Advisory Group, LLC
Clermont, Lake County
Schmidt Financial Resources, Inc.
Mount Dora, Lake County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.