Advice across generations

Ruggiero Wealth Management Modesto Ruggiero, Stephen J. Miles, Giovanni M. Ruggiero, Georgette M. Richards, Tyner M. Haag, Kevin P. McCarthy

Ruggiero Wealth Management


phone

216-736-8317
800-533-6386 ext. 8317



phone

855-355-6034





address

600 Superior Ave East
27th Floor
Cleveland, OH 44114



While investing is the foundation and key component of our work, Ruggiero Wealth Management strives to impact our clients' lives and futures beyond investing.  With this in mind, the team feels it is essential that clients have a knowledgeable and responsive ally to address their overall financial planning needs with custom-tailored solutions. To achieve this, a team has been assembled with extensive experience and a complementary ideology focused on providing a high level of service.

As your dedicated advisors, we provide the individualized attention of a boutique team backed by the strength and stability of UBS, one of the leading wealth management firms in the world.  We combine financial planning with investment management and deliver it with the highest standard of personalized service. We are committed to engage each generation of your family by offering thoughtful advice and education to meet your changing goals.


Our planning process

No matter what phase of life you are in or the complexity of your financial needs, we offer a disciplined process designed to work with you right now.

Discover

Learning about you
Our initial conversations will help us understand the most defining insights about you—from the values that inspire you to your most important priorities and concerns.

Plan

Developing your financial plan
After closely analyzing this information, we prepare a comprehensive financial plan tailored to your needs.

Implement

Putting your strategy into action
Once our plan is in place, we implement the strategy with a timely and efficient approach.

Monitor

Communicating, reporting and optimizing
As we monitor your portfolio’s performance, we make adjustments for life changes and economic conditions.


Legacy planning

When planning your estate or building your legacy, our team will work with you and family members to provide education on philanthropy and wealth transfer strategies for the next generation. In that way, you can provide for future generations and charitable organizations with tax efficiency and cost-effectiveness.

How can I safeguard my wealth for future generations?

Advanced planning
With extensive experience in wealth planning, estate tax and philanthropy, our planning analysts regularly evaluate how changes in the legislative and tax landscape might affect your wealth.

Charitable giving
Many of our clients are passionate about philanthropy and rely on us to help them with the right strategies for meeting their charitable giving goals within a comprehensive estate and legacy plan. We may consider:

  • Charitable giving strategies
  • Tax-efficiencies
  • Trust services
  • Foundation supervision and set up
  • Donor advised funds

“Our relationship with you will support the legacy you are creating and the footprint you choose to leave on the world.”

— Moe Ruggiero


Goals-based planning: a road map for your objectives

In today’s world, it's key to understand how all the pieces of your complex life can affect your pursuit of important financial goals. Our integrated services provide you with a clear and consistent approach to managing your wealth. This results in the construction of a comprehensive plan that serves as a road map for reaching your objectives.

How will you integrate all aspects of my financial life into one plan?

Retirement and lifetime income planning
With a specialty in retirement income planning, our team can work with you to protect your lifestyle and livelihood in retirement.

Trust and estate planning strategies
We have the experience and the network to address the complexities of your estate and legacy planning needs.

Insurance consulting and review
Our team views insurance as a tool to help protect your family’s assets, replace income, and create a legacy for future generations and philanthropic beneficiaries.

Liability management
We’ll work with you to find solutions to both sides of your balance sheet so you can get credit you can count on, whether you need securities backed lending, a mortgage or a competitive credit card.

Multigenerational strategies for your family’s wealth
We understand the connections between wealth and family, and we’re positioned to address your family’s needs, ranging from growth strategies, to wealth transfer and preservation to philanthropic pursuits.

“Many clients come to us because the complexity of their financial lives has outstripped their ability to manage it. Our comprehensive planning approach helps our clients better control their financial destiny.”

— Stephen Miles, CFP®


Disciplined investment management

We provide access to an open platform of premium financial solutions both within and outside of UBS. This open architecture, along with a disciplined process, ensures we develop customized strategies based on highly-focused analysis.

How will you help make sure my wealth is protected?

Serving as your discretionary investment manager, we offer timely perspectives, customized portfolio management and a fully-integrated suite of financial strategies. Because we have had experience positioning our clients to seize the opportunities of an unpredictable market, we offer the insights needed to help grow and protect all that you’ve worked so hard to build.

Liquidity, longevity and legacy
By separating assets specific to maintaining your lifestyle from those earmarked for your legacy, we create distinct allocations for the capital you’ll need to meet specific goals or within certain timeframes. This goals-based approach allows us to align your strategy with your liquidity, longevity and legacy objectives along the timetable that is right for you.

Portfolio Management Program
Many of our clients prefer to delegate the day-to-day management of their assets. This allows us to build highly customized portfolios based on each client’s specific objectives.

Balanced asset allocation
Through our comprehensive due diligence and planning process, we help determine you and your family’s goals, growth and income needs, and tolerance for risk. This allows us to craft an asset allocation that supports your financial plan and seeks to lower volatility while maintaining an opportunistic eye toward investments and changes in the market.

Risk management
By listening and aligning with your objectives, we focus on strategies that help mitigate risk and build balanced portfolios. As we implement your investment strategy, we communicate regularly and track performance, rebalancing and making adjustments for life changes and economic conditions.

“Because tremendous changes continue to transform the economy, our clients trust us to help create more opportunity. We filter out a lot of the noise that can confuse even the most sophisticated investor.”

— Giovanni M. Ruggiero, CIMA®


Understanding your business

We work with a select number of private business owners who value our ability to speak knowledgeably about their professional ventures. We address the full cycle of business needs, from retirement and equity compensation plans to transitioning your company.

How can I simplify the complex demands of transitioning my business?

Succession and estate planning strategies
The decision to exit a business is often very personal and complex. Using appropriate cash flow and portfolio strategies, as well as efficient tax structures, such as trusts and philanthropic vehicles, we not only facilitate the achievement of an entrepreneur’s business goals, but also wealth preservation and legacy goals.

Post liquidity event wealth management
Clients trust our experience when assessing their succession goals and laying the groundwork for managing the resulting liquidity event. Before, during and after the sale or transition of your business, our team can coordinate your tax and legal advisors to develop tax-advantaged strategies and provide comprehensive post-liquidity wealth management.

Retirement planning services
Our experienced team keeps up with changing regulations and stays on top of fiduciary requirements. With complicated benefit packages—as well as potentially complex tax consequences—you need specialized advice.

“You can feel confident that we understand your business challenges and the strategy we develop is based on what you and your company need.”

— Georgette Richards


Lasting relationships

We offer a team approach that puts you and your family first. Our goal is to help simplify your life with a clear and consistent approach to managing your wealth. We offer a full range of services because our aim is to build lasting relationships by being helpful in every aspect of your financial world.

How will we work together?

First and foremost, we work for you
Our team always puts your needs first. Our service goes above and beyond the expected, offering a highly personalized experience that is responsive and flexible to your needs.

Attention on your terms
Our entire team is highly accessible, offering consistent communication, personal touch points and ongoing reviews. We schedule regular meetings monthly, quarterly, semiannually, or annually depending on what works best for you and keeps us on track to meeting your goals and objectives.

Personal client service
Clients rely on our client service team for a host of critical financial and administrative needs. We have built long-lasting relationship by offering robust services that proactively anticipate your needs.

A network of resources
By working closely with your accountants, attorneys and trusted advisors, as well as our network of financial specialists within and outside UBS, we can incorporate all perspectives into one comprehensive approach.

“Everyone on our team understands that there are real people behind the numbers and investments who are counting on us for the exceptional, personal service that simplifies their lives.”

— Kevin P. McCarthy


Read more about our team and our approach


Modesto Ruggiero has been recognized as an industry leader.

 
  • Forbes Best-In-State Wealth Advisors, 2020



Insights

Creating your legacy

Creating a legacy that lasts

Building an investment plan

Building an investment plan