Business Details
33 Years
experience
Your Trusted Partner for Holistic Financial Planning in Hudson, OH
Founded in 1993, Ruggaard & Associates & Associates has established itself as a trusted provider of fee-only financial planning, investment management, and tax services. Our team of experienced professionals operates under a fiduciary duty to prioritize client interests, delivering personalized solutions tailored to individual financial goals. With over 25 years of industry expertise, we combine comprehensive analysis with a collaborative approach to help clients navigate complex financial landscapes. Our commitment to trust, skill, and integrity forms the foundation of every client relationship, ensuring transparent decision-making and long-term partnership. We specialize in retirement planning, estate strategies, education funding, and risk management, supported by continuous market research and quarterly performance reviews.Our holistic methodology integrates tax optimization, insurance evaluation, and employee benefits analysis to create customized financial roadmaps. Backed by SEC registration and a proven track record, we maintain rigorous compliance standards while adapting to evolving economic conditions. Our client-centric philosophy emphasizes accountability, with dedicated support through digital portals and regular communication. Headquartered in Hudson, Ohio, with offices in Chicago and Oak Brook, we serve clients nationwide through virtual and in-person consultations. This enduring approach has solidified our reputation as a reliable partner in achieving financial independence.
Services
Financial Planning
Investment Management
Retirement Plan Management
Tax Services
Estate Planning
Education Funding
Insurance Analysis
Employee Benefits Evaluation
Portfolio Management
Client Portal Access
Details
- Year established: 1993
Highlights and features
- We have over 25 years of experience in fee-only financial advisory services.
- Our fiduciary responsibility ensures client interests always come first.
- We provide personalized financial roadmaps tailored to individual life stages.
- Our comprehensive approach integrates tax, estate, and retirement planning.
- We offer quarterly performance reviews with transparent reporting.
Associations and certifications
- Securities and Exchange Commission (SEC)
Services
Financial Planning
Our financial planning service creates customized roadmaps to help clients achieve long-term goals. We analyze current financial status, risk tolerance, and life objectives to develop comprehensive strategies. This includes retirement projections, cash flow management, and debt optimization tailored to individual circumstances.
Investment Management
We offer active portfolio management with personalized asset allocation strategies. Our approach combines market research, risk assessment, and continuous monitoring to optimize investment performance. Services include equity research, diversification strategies, and quarterly performance reporting to ensure alignment with financial objectives.
Tax Services
Our tax services focus on minimizing liabilities through strategic planning. We analyze income sources, deductions, and credits to optimize tax efficiency. This includes year-round tax strategy development, compliance filings, and integration with overall financial planning to maximize after-tax returns.
Estate Planning
We help clients preserve and transfer wealth through customized estate plans. Services include will and trust analysis, beneficiary designation strategies, and tax-efficient transfer methods. Our approach ensures your assets are distributed according to your wishes while minimizing estate tax implications.
Retirement Plan Management
Our retirement planning service creates sustainable income strategies for post-career life. We assess savings needs, optimize retirement account distributions, and develop withdrawal strategies. This includes Social Security optimization, pension analysis, and longevity planning to ensure financial security throughout retirement years.
People
Randy Ruggaard
President
President of Ruggaard & Associates & Associates since 1993, Randy holds an MBA from Case Western Reserve University. With decades of experience in financial planning and tax strategies, he specializes in creating personalized wealth management solutions while maintaining active community involvement.
John D. May III
Vice President
A CERTIFIED FINANCIAL PLANNER, John has extensive expertise in financial analysis and client advisory services. He specializes in simplifying complex investment concepts for clients and has been recognized for his community involvement as a youth sports coach.
Ryan Ruggaard
Director of Research
As Director of Research, Ryan leads investment strategy development with a background in international equity research. Fluent in Spanish and German, he brings global market insights to portfolio management while maintaining active local community engagement.
David Sleeter
Vice President
A Chartered Financial Analyst with 15+ years in wealth management, David specializes in private client advisory services. His expertise includes portfolio construction and market analysis, supported by academic credentials from the University of Illinois.
Tom Sleeter
Wealth Advisor
With extensive experience in corporate finance and pension fund management, Tom provides comprehensive wealth advisory services. His background includes teaching finance courses and managing investment portfolios for diverse client types.
Questions
What financial services does Ruggaard & Associates & Associates & Associates offer?
We provide financial planning, investment management, tax services, retirement planning, estate strategies, education funding, and insurance analysis tailored to individual client needs.
Are you legally required to act in my best interest?
Yes, as SEC-registered fiduciaries, we have a legal obligation to prioritize client interests in all financial recommendations and investment decisions.
How do you customize financial plans for clients?
We conduct comprehensive assessments of your financial situation, goals, and risk tolerance to create personalized strategies that evolve with your life changes.
What areas do you serve?
We operate from Hudson, Ohio, and Chicago, Illinois, serving clients nationwide through virtual consultations and in-person meetings.
How often do you review investment portfolios?
We provide quarterly performance reports and regular reviews to ensure your investments remain aligned with your financial objectives and market conditions.
Can I access my financial information online?
Yes, our secure Client Portal offers 24/7 access to your financial data, investment statements, and planning documents for convenient management.
