Ruff Choices
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Ruff Choices is an independent, single‑advisor registered investment adviser that provides discretionary portfolio management to individuals, trusts, pension and profit‑sharing plans, and also accepts charitable organizations and certain institutional clients. The firm offers limited stand‑alone investment consulting and may, at a client’s request, facilitate tax preparation or accounting services through an affiliated accounting firm under common ownership.
The firm primarily allocates client assets among individual equities, exchange‑traded funds and no‑load mutual funds and implements a mix of long‑term, short‑term and trading strategies. For separately managed accounts it may employ margin, short sales and options and treats cash as an asset class; these choices introduce additional leverage and derivative risk that clients are asked to understand and authorize.
Noteworthy features relative to peers include the combination of a small client base and roughly $31.7 million in discretionary assets while serving both charitable and institutional clients, and the firm’s explicit use of borrowing and derivatives in client accounts. Ruff Choices discloses its affiliation with an accounting practice when recommending tax or accounting services and maintains written policies addressing personal trading and conflicts of interest.
Client services
Expertise
Fee options
Fixed fee consulting fees ranging from $1,500 to $10,000
$0 - $500,000: 1.50% $500,000 - $999,999: 1.25% $1,000,000+: 1.00%
Hourly consulting fees ranging from $150 to $300 per hour
Minimum fee: $2,000 annual minimum fee, waivable at Registrant's sole discretion Fee-only: Investment advisory fees on a fee-only basis, no commissions accepted.
Main office
Cranford NJ
Advisors at this office
1
Most active in
New Jersey · Texas
Also doing business as
Ruff Choices · Stuart Ruff, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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