Rio Verde, AZ Office

Ruggaard & Associates serves individual clients, including high-net-worth households, as well as pension and corporate retirement plans, offering discretionary and non‑discretionary portfolio management, retirement plan advisory, comprehensive financial planning and tax preparation services. The firm develops personal investment policies through client interviews and implements portfolios across mutual funds, ETFs and individual securities consistent with stated objectives and constraints.

The firm applies a blend of fundamental, technical, quantitative and qualitative analysis and uses a range of strategies from long‑term buy‑and‑hold to shorter‑term trading, including the use of options (covered calls and spreads), short sales and margin where appropriate. Accounts are monitored on an ongoing basis with formal reviews at least quarterly and reporting provided to clients in addition to custodian statements.

A relatively uncommon feature for a team firm is that Ruggaard & Associates discloses accepting performance‑based fees for at least one qualified client and describes safeguards—such as an agreed investment universe and risk constraints—to address the attendant conflicts of interest. The firm also combines investment management with in‑house tax preparation and relies on institutional custody and platform services from major custodians, arrangements that the brochure notes can provide operational benefits while creating potential conflicts the firm seeks to manage.