{
  "crd_number": 107489,
  "slug": "ruggaard-and-associates-hudson-oh-107489",
  "primary_business_name": "RUGGAARD & ASSOCIATES",
  "legal_name": "RUGGAARD & ASSOCIATES, LLC",
  "dbas": [],
  "city": "Hudson",
  "state": "OH",
  "country": "United States",
  "cbsa_code": "10420",
  "metro": {
    "cbsa_code": "10420",
    "common_name": "Akron",
    "msa_name": "Akron, OH",
    "path": "/advisors/oh/akron"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "1993-03-31",
  "years_registered": 33,
  "period": "2026-10-01",
  "filing_date": "2026-03-30",
  "carried_forward": false,
  "raum_total": 368561588.0,
  "raum_discretionary": 349768030.0,
  "raum_non_discretionary": 18793558.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 10,
  "advisory_employees": 6,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "other": {
      "raum": 2088581.0,
      "count": null,
      "description": "INVESTMENT CLUB",
      "fewer_than_5": true
    },
    "charitable": {
      "raum": 2019020.0,
      "count": null,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 285932908.0,
      "count": 209
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 0.0,
      "count": 0
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 68830693.0,
      "count": 105
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 9690386.0,
      "count": null,
      "fewer_than_5": true
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "percentage_of_aum",
    "performance_based"
  ],
  "advisory_activities": [
    "financial_planning",
    "other",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AZ",
    "CO",
    "FL",
    "IL",
    "LA",
    "MO",
    "NC",
    "NE",
    "OH",
    "SC",
    "TX",
    "VA"
  ],
  "websites": [
    "https://linkedin.com/company/ruggaardfinancialplanners",
    "https://ruggaard.net"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/107489",
  "city_as_filed": "HUDSON",
  "url": "https://advisorcensus.com/firm/ruggaard-and-associates-hudson-oh-107489",
  "display_name": "Ruggaard & Associates",
  "summary": "Ruggaard & Associates is an SEC-registered investment advisory firm in Hudson, OH, registered since 1993, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 30, 2026.",
  "citation": "AdvisorCensus. Ruggaard & Associates (CRD 107489): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Performance-based fees"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Other"
  ],
  "quick_answers": [
    {
      "q": "How is Ruggaard & Associates compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Ruggaard & Associates reports these compensation arrangements: a percentage of assets under its management; performance-based fees."
    },
    {
      "q": "What does Ruggaard & Associates' brochure say about its fees?",
      "a": "Its Form ADV Part 2A brochure dated March 30, 2026 states: Asset-based fee: 0.8% to 1% a year (a range, as the brochure states it). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Ruggaard & Associates located?",
      "a": "Ruggaard & Associates' principal office is in Hudson, OH, according to its Form ADV; the April 2026 filing also lists 2 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Ruggaard & Associates registered with the SEC or a state?",
      "a": "Ruggaard & Associates is an SEC-registered investment advisory firm, registered since 1993. Status as filed: Approved. CRD 107489."
    },
    {
      "q": "How much does Ruggaard & Associates manage?",
      "a": "Ruggaard & Associates reports $368,561,588 in regulatory assets under management in its Form ADV filing dated March 30, 2026 (95% discretionary)."
    },
    {
      "q": "How have Ruggaard & Associates' assets and staff changed since 2021?",
      "a": "In the Form ADV data for Ruggaard & Associates: Regulatory assets under management: $209,077,889 in the October 2021 data and $368,561,588 in the October 2026 data, up 76%. Total employees: 5 in October 2021 and 10 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Ruggaard & Associates serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (209); high net worth individuals (105)."
    },
    {
      "q": "Which custodians does Ruggaard & Associates use?",
      "a": "Ruggaard & Associates' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and National Financial Services LLC as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Ruggaard & Associates report any disciplinary disclosures?",
      "a": "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/107489"
    },
    {
      "q": "Does Ruggaard & Associates state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 30, 2026 says: \"Our minimum account value requirement is $100,000, subject to negotiation with the client at our sole discretion.\""
    },
    {
      "q": "What changed in Ruggaard & Associates' recent Form ADV filings?",
      "a": "In the April 2026 filing data: Updated its list of owners and control persons (Schedule A)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 209077889.0,
      "total_employees": 5,
      "filing_date": "2021-03-29"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 238639739.0,
      "total_employees": 7,
      "filing_date": "2022-07-27"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 210516139.0,
      "total_employees": 10,
      "filing_date": "2023-03-14"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 312221509.0,
      "total_employees": 10,
      "filing_date": "2024-05-30"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 346919733.0,
      "total_employees": 11,
      "filing_date": "2025-07-03"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 368561588.0,
      "total_employees": 10,
      "filing_date": "2026-03-30"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Updated its list of owners and control persons (Schedule A)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 30, 2026",
    "tiers": [],
    "flat_rate": null,
    "stated_range": "0.8% to 1% a year",
    "stated_maximum": null,
    "account_minimum": "$100,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": "$800",
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: 0.8% to 1% a year (a range, as the brochure states it)"
        ],
        "quotes": [
          "Our annual fees for individual portfolio management are based upon a percentage of assets under management and range from 0.80%-1.00% depending on several factors, and are payable quarterly in advance based on the client’s assets under our management as of the last day of the prior calendar quarter."
        ]
      },
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $100,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "Our minimum account value requirement is $100,000, subject to negotiation with the client at our sole discretion."
        ]
      },
      {
        "label": "Minimum annual fee",
        "statements": [
          "Minimum annual fee: $800"
        ],
        "quotes": [
          "Alternatively, clients that do not meet this account size minimum may alternatively elect to pay a minimum annual fee of $800."
        ]
      }
    ],
    "quotes": [
      "Our annual fees for individual portfolio management are based upon a percentage of assets under management and range from 0.80%-1.00% depending on several factors, and are payable quarterly in advance based on the client’s assets under our management as of the last day of the prior calendar quarter.",
      "Our minimum account value requirement is $100,000, subject to negotiation with the client at our sole discretion.",
      "Alternatively, clients that do not meet this account size minimum may alternatively elect to pay a minimum annual fee of $800."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    },
    {
      "name": "National Financial Services LLC",
      "name_as_filed": "NATIONAL FINANCIAL SERVICES LLC",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/ruggaard-and-associates-hudson-oh-107489.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 209,
      "fewer_than_5": false,
      "raum": 285932908.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 105,
      "fewer_than_5": false,
      "raum": 68830693.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": null,
      "fewer_than_5": true,
      "raum": 2019020.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": null,
      "fewer_than_5": true,
      "raum": 9690386.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": null,
      "fewer_than_5": true,
      "raum": 2088581.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/107489",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}