# Destiny Wealth Partners, LLC

> Destiny Wealth Partners, LLC is an SEC-registered investment advisory firm in Tavares, FL, registered since 2014, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated June 19, 2026.

- CRD: 171346
- Filed as: DESTINY WEALTH PARTNERS, LLC
- Also doing business as: DESTINY WEALTH MANAGEMENT, DESTINY WEALTH PARTNERS, NICHOLS WEALTH PARTNERS, RUGGIE WEALTH MANAGEMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Tavares, FL
- Filing period: October 2026
- Form ADV filing dated: June 19, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/171346
- AdvisorCensus page: https://advisorcensus.com/firm/destiny-wealth-partners-llc-tavares-fl-171346

## Quick answers

**How is Destiny Wealth Partners, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Destiny Wealth Partners, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); performance-based fees; other.

**How much does Destiny Wealth Partners, LLC charge?**
Its Form ADV Part 2A brochure dated June 18, 2026 states: Hourly rate: $100 to $1,500 an hour (financial planning and/or consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Destiny Wealth Partners, LLC located?**
Destiny Wealth Partners, LLC's principal office is in Tavares, FL, according to its Form ADV; the July 2026 filing also lists 4 other offices (Schedule D, Section 1.F).

**Is Destiny Wealth Partners, LLC registered with the SEC or a state?**
Destiny Wealth Partners, LLC is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 171346.

**How much does Destiny Wealth Partners, LLC manage?**
Destiny Wealth Partners, LLC reports $947,288,591 in regulatory assets under management in its Form ADV filing dated June 19, 2026 (93% discretionary).

**How have Destiny Wealth Partners, LLC's assets and staff changed since 2021?**
In the Form ADV data for Destiny Wealth Partners, LLC: Regulatory assets under management: $785,251,949 in the October 2021 data and $947,288,591 in the October 2026 data, up 21%. Total employees: 15 in October 2021 and 26 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Destiny Wealth Partners, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (701); high net worth individuals (238).

**Which custodians does Destiny Wealth Partners, LLC use?**
Destiny Wealth Partners, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc., First Trust Portfolios L.P. and National Financial Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Destiny Wealth Partners, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/171346

**What changed in Destiny Wealth Partners, LLC's recent Form ADV filings?**
In the July 2026 filing data: No longer lists the business name Destiny Family Office. Regulatory assets under management went from $1,495,283,793 to $947,288,591 (-37%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Performance-based fees
- Other

### Fees and minimums (Form ADV Part 2A brochure dated June 18, 2026)

- Minimum annual fee: None

> The Registrant does not require a minimum account size or annual minimum fee level.

- Hourly rate: $100 to $1,500 an hour (financial planning and/or consulting services)

> Based upon the complexity of the engagement, additional fees may be charged based upon an hourly rate ranging from $100 to $1,500.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- First Trust Portfolios L.P.
- National Financial Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $947,288,591
- Discretionary: $878,802,039
- Non-discretionary: $68,486,552

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 701 | $238,745,326 |
| High net worth individuals | 238 | $707,719,326 |
| Corporations or other businesses not listed above | Fewer than 5 | $823,939 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for pooled investment vehicles (other than investment companies)
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2014 (12 years)
- Employees: 26 total, 11 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: AZ, CA, FL, GA, HI, KY, LA, MD, MI, MO, NC, NE, NH, NV, NY, OH, PA, SC, TN, TX, UT, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the July 2026 filing
- Boca Raton, FL
- Jacksonville, FL
- The Villages, FL
- Winter Park, FL

### Websites listed on Form ADV (Item 1.I)
- destinyprivatetrust.com
- destinywealth.com
- destinywealthpartners.com
- jorgearomero.com
- linktr.ee/tomruggie
- nicholswealth.com
- ruggiewealth.com
- significance-of-wealth.simplecast.com
- Facebook @EDGE401KFUNDS
- Facebook @RuggieWealth
- Facebook @nicholswealthpartners
- Facebook facebook.com
- Instagram @ruggiewealth
- LinkedIn @ruggie-wealth-management
- LinkedIn @chris-nichols-48015b44
- LinkedIn @jromerocfp
- LinkedIn @morgan-matfield-dwp
- LinkedIn @rob-clark-cfp
- LinkedIn @tomruggie
- X @TomRuggie

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $785,251,949 | 15 | September 24, 2021 |
| October 2022 | $947,671,962 | 21 | September 15, 2022 |
| October 2023 | $805,805,266 | 21 | February 15, 2023 |
| October 2024 | $996,817,259 | 21 | June 6, 2024 |
| October 2025 | $1,125,679,810 | 26 | March 25, 2025 |
| October 2026 | $947,288,591 | 26 | June 19, 2026 |

Regulatory assets under management: $785,251,949 in the October 2021 data and $947,288,591 in the October 2026 data, up 21%.
Total employees: 15 in October 2021 and 26 in October 2026.

## Changes in the filing (last 12 months)

### July 2026
- No longer lists the business name Destiny Family Office.
- Regulatory assets under management went from $1,495,283,793 to $947,288,591 (-37%).

### May 2026
- Added an office in Jacksonville, FL.

### April 2026
- No longer lists the business name Destiny 401(K).
- No longer lists the business name Destiny 401K.
- Regulatory assets under management went from $1,125,679,810 to $1,495,283,793 (+33%).
- No longer lists an office in Jacksonville, FL.
- Registered or notice-filed in KY.

### December 2025
- Registered or notice-filed in MO.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Destiny Wealth Partners, LLC (CRD 171346): Form ADV filing data as of October 2026.