The first step to investing is having a conversation with an advisor to determine your goals, objectives, and needs. Understanding your destination in life will allow the team to create a plan towards achieving the goals.

Our team of advisors will work closely with you so that you understand the different solutions and investments options available in the market. They will help determine what is best suited for you and your family given your objectives and explain to you why those investments align. 

That is Great. It allows the team at Ruggiero Investments to review your current portfolio holdings and see how they align with the goals and objectives. If they do not align, the team of advisors will explain why and give you their recommendations on  what they would be doing differently for you and why they feel the other solutions are best suited to help meet your needs. 

Getting a lump sum of money can be overwhelming if the proper planning is not done for taxes and easing the money into ones lifestyle. Please speak with an advisor to make sure your establishing a plan to make that money work for you over the long-run. 

Money invested does not have to be retirement money. Many clients have multiple accounts, taxable accounts that they can access at any point. Money is invested according to the clients goals and objectives. This can be done in non-retirement accounts.

We can help you establish a plan for retirement and put that plan into action. The investment options depend on your long-term goals. As the goals change, you make sure that the plan reflects those changes. 

We can help you roll that plan into an Individual Retirement Account (IRA) keeping the money in a qualified account for your retirement and we help manage that money according to your goals. The investment options depend on your long-term goals.  When the account is done as a direct-rollover, there should be no tax implications. Please speak with an advisor to make sure your rollover is handled properly. 

When you are no longer with a company, it is usually in your best interest to move the money into an Individual Retirement Account (IRA) as you take control of the investment options and most likely will have more investment options to have your money work for you. As long as you have earned income and you have not reached the phased out level of income, you should be able to contribute to your IRA. Please speak with an advisor to make sure your rollover is handled properly. 

Yes, Our firm is experienced in working with all types of entities, businesses and corporation structures. This usually involves additional planning for the business owners, executives, and key-employees. Ruggiero Investments manages ERISA plans and help establish and create the most efficient plans given the business or owners objectives and goals. Please speak with an advisor to make sure your rollover is handled properly. 

Ruggiero Investments and the team is experienced in working closely with attorneys and CPA's for estate planning needs and with the management there after. The firm manages portfolios for Trusts of many types. Below are the Trusts that we work with:

Types of Trust

Revocable

Irrevocable

Irrevocable Life Insurance Trust

Special Needs Trust

Testamentary Trust

Charitable Trust

Asset Protection Trust

Qualified Personal Residence Trust

Spendthrift Trust

Generation-Skipping Trust

Credit Trust

Joint Trusts

Grantor Retained Annuity Trust

Bypass Trust

Complex Trust

Insurance Trust

Constructive Trust

AB Trusts

Blind Trusts

Dynasty Trust

Medicaid Trust 

Please speak with an advisor to make sure your rollover is handled properly.