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Financial Independence
Doesn’t Have to be a Dream.

Financial independence is a vision we all share.


Ruggaard & Associates, Inc. provides holistic, personalized services to help you meet your financial goals and dreams. No matter where you are in life, we will help you build a secure and independent future.

Trust

Skill

Integrity


Founded in 1993, Ruggaard & Associates, Inc. offers fee-only financial planning, investment management and tax services with time-trusted experience, knowledge and a comprehensive approach. This is The Ruggaard Difference.

HOW WE HELP YOU

Our mission is to help our clients become financially independent by offering complete services from financial planning to investment management and tax services, paired with our core beliefs – trust, skill and integrity. We do this in a fee-only, collaborative environment, fine-tuned to each of our client’s individual goals. Let us take you on your financial independence journey.


Financial Planning

Investment Management

Retirement Plan Management

Tax Services


The Process

 Financial Planning Services

No matter where you are in life, we are able to help you determine what you need for financial independence, becoming a trusted partner in your financial goals and dreams.


Discovery & Engagement


Starting with a free, introductory meeting, we work with you to identify and assess your personal objectives, and financial goals are established. Through our customized approach and planning, you will begin to understand how we help you move toward financial independence. As Registered Investment Advisors, our fiduciary responsibility is to serve our client’s interests first and provide a transparent, fee-only service model. Our clients value our advice.

Employee Benefits:
Retirement:
Estate:
Education:
Tax Planning:
Insurance:



Analysis


Plan Development: Our approach puts an emphasis on understanding your unique financial “big picture.” Understanding where you are and where you want to be is important to achieving financial independence. As your trusted partners, we’re able to make the optimal recommendations for your goals, backed by more than 25 years of experience.

Plan Presentation: With our customized approach, our investment team develops a plan for your financial goals. The plan is presented and discussed with each client to begin the path to financial independence.



Implementation

After your detailed analysis is complete and we have agreed on services and recommendations, your investment team will focus on coordinating all aspects of your plan.  Accountability for new financial independence is our top priority.



Monitor & Review


Change is a constant in our lives, whether it is personal or economic. These changes may impact your financial independence and this is where your partnership with Ruggaard & Associates, Inc. is most important. With trust, skill and integrity, we handle constant change for you with your best interests in mind. Updates are just a click away. Because life moves quickly, access your information utilizing our Client Portal.



Investment Management Services

No matter where you are in life, we are able to help you determine what you need for financial independence, becoming a trusted partner in your financial goals and dreams.


Discovery & Engagement


Your trust is very important to us – as a fee-only Registered Investment Advisor, the fiduciary role is one we take seriously. From the beginning you will experience The Ruggaard Difference, as we work with you to discover and prioritize your investment goals while understanding your risk tolerance. 



Analysis


Our approach includes analyzing your financial situation and combining it with customized portfolio construction and asset allocation. While all investments have some degree of risk, risk mitigation is an important part of the investment strategy. With our individualized, holistic approach, we develop a plan for your investment objectives. 



Implementation

We continuously study, analyze and evaluate investments and markets. Our 25 years of experience with due diligence and market research enables us to employ the strategies that will add value. We are dedicated to your investment needs and financial health, providing personalized, transparent advice based on your unique goals and dreams.



Monitor & Review


Change is ever present—in the markets and in our lives. With trust, skill and integrity, we handle constant change for you with your best interests in mind. Do you know how your current investments are performing? We make sure you do! Our Quarterly Reports and meetings keep you informed. By aligning your interests and our core values, we ensure a long-term partnership with you. 

 


Our Team

Randy Ruggaard, CPA, CFP® Photo

Randy Ruggaard, CPA, CFP®

President
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Randy Ruggaard, CPA, CFP®

PRESIDENT

Randy Ruggaard, CPA, CFP® is President of Ruggaard & Associates, Inc. since the company was formed in 1993. Randy graduated from Miami University with a bachelor’s degree in Accounting/Finance and earned an MBA from The Weatherhead School of Management at Case Western Reserve University. He has decades of financial planning, investment management, and tax planning experience. In addition to helping clients achieve their lifetime financial goals, he enjoys family, outdoor sports, travel, and gardening.

Aaron Seil, CFA®  Photo

Aaron Seil, CFA®

Co-Portfolio Manager
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Aaron Seil, CFA®

Co-Portfolio Manager

Aaron Seil, CFA® is Co-Portfolio Manager at Ruggaard & Associates, Inc. with over 15 years of experience in the financial services industry. Aaron obtained a bachelor’s degree in Economics from Ohio Wesleyan University and an MBA with a concentration in Finance from The Weatherhead School of Management at Case Western Reserve University. His ability to explain complex financial issues in easy-to-understand terms helps him communicate effectively with clients. Aaron works with the investment committee to research investments allowing him to tailor individual asset allocations appropriate for each client’s needs. In his spare time, Aaron enjoys boating and spending time with his family.

John D. May III, CFP®  Photo

John D. May III, CFP®

Financial Advisor
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John D. May III, CFP®

Financial Advisor

John D. May III, CFP® is a CERTIFIED FINANCIAL PLANNER™ and Financial Advisor. He holds a bachelor’s degree in Financial Services with a concentration in Financial Planning from the University of Akron and began his career as a financial analyst. Today he has an immense knowledge of various planning concepts and works directly with clients, assisting them in making sound financial decisions. Client feedback shows that John can effectively take sophisticated investment and planning concepts and articulate them in simple and easy-to-understand dialogue. He dedicates time to understanding the ever-changing landscape in financial services, advancing his own knowledge to implement with existing and new clients. John enjoys spending time with his wife and three young children. He is also actively involved in the community as a coach for local youth sports programs.

Randy Ruggaard, CPA, CFP®  Photo

Randy Ruggaard, CPA, CFP®

President
Read Bio

Randy Ruggaard, CPA, CFP®

President

Randy Ruggaard, CPA, CFP®  is President of Ruggaard & Associates, Inc. since the company was formed in 1993. Randy graduated from Miami University with a bachelor’s degree in Accounting/Finance and earned an MBA from The Weatherhead School of Management at Case Western Reserve University. He has decades of financial planning, investment management, and tax planning experience. In addition to helping clients achieve their lifetime financial goals, he enjoys family, outdoor sports, travel, and gardening.

Cynthia C. Allen, CPA Photo

Cynthia C. Allen, CPA

Certified Public Accountant
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Cynthia C. Allen, CPA

Certified Public Accountant

Cynthia C. Allen, CPA  is a Certified Public Accountant in our tax department. Cynthia graduated Cum Laude from Virginia Tech with a bachelor’s degree in Accounting. At both KPMG and United Rentals, Cynthia worked with employees at all levels of the company in both a financial and operational capacity. After relocating and raising a family – a time during which Cynthia volunteered at various clubs in functions such as President and, repeatedly, Treasurer – Cynthia re-entered the workforce and prepared individual tax returns for H&R Block for the past two tax seasons. With all of her tax training and continuing education, she reactivated her CPA and is currently licensed in Ohio and North Carolina.

Amber Moran Photo

Amber Moran

Tax Accountant
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Amber Moran

Tax Accountant

Amber Moran is a Tax Accountant responsible for the preparation of federal, state, and local tax forms, as well as other tax projects. She holds a bachelor’s degree in Accounting and an MBA from Kent State University. Her work experience includes nonprofit, auditing, and tax accounting work. Amber lives in the Cleveland area and enjoys spending time with her husband and their young daughters.

Margie Ruggaard Photo

Margie Ruggaard

Office Manager
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Margie Ruggaard

Office Manager

Margie Ruggaard is the Office Manager at Ruggaard & Associates, Inc. where she ensures that the daily operations run smoothly. She joined the firm in 2000 and is responsible for human resources, accounting, and marketing for the firm. Margie graduated from Miami University, Oxford, Ohio. Her prior work and management experience are in the fields of education, banking, and mortgage lending. To keep the balance in her life, she enjoys vacationing with Randy, visiting her sons and family, gardening, yoga, and walking with her friends.

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