- Fee-Only Financial Services
- Comprehensive Financial Planning
- Free Initial Consultation
- Investment Management
- Retirement Planning
- Education Planning
- Elder Care Issues
- Estate Planning
- Insurance Analysis
- Charitable Giving and Trusts
- Planning for Business Owners
- Cash Flow and Budgeting
Palo Alto, CA 94303
Nicholas Rugh is a NAPFA-Registered Financial Advisor.
NAPFA is the country's leading association of Fee Only Financial Planners.
What is "Fee Only Financial Planning," and why is it important?
Nick Rugh (pronounced Roo) is the founding principal of Rugh Financial, LLC. Before Mr. Rugh founded the firm he worked in an independent office of Associated Securities as a Financial Planner. He did financial planning for a diverse group of individuals, families, and small business owners of varying net worth. He then decided to open an independent firm, as a Registered Investment Advisor (RIA) with the state of California, to be able have the freedom to invest for his clients without the restrictions and influence of a larger organization. This independent model ties in with Mr. Rugh's belief that the fee-only model is the most beneficial for his clients.
Mr. Rugh studied towards his certification in Personal Financial Planning at the University of California Santa Cruz. He is registered with the state of California as a Registered Investment Advisor (RIA) and successfully completed the Series 65, Uniform Investment Advisor Law Examination. Mr. Rugh also holds the Chartered Retirement Planning Counselor designation (CRPC®).
Mr. Rugh received a B.S. from Guilford College in North Carolina and an M.S. from George Mason University in Virginia.
Previous to Mr. Rugh's career as a Financial Planner he was a Senior Systems Engineer with various federal agencies while living in the Washington, DC area. After this he became a Financial Planner in order to followed his passion for helping people become financially successful. Mr. Rugh takes great joy in the process of working with individuals to achieve their financial goals.
Mr. Rugh is active with the Palo Alto University Rotary club, NAPFA (see sidebar), current board member of the Financial Planning Forum, Silicon Valley Bar Association and often volunteers in the community to support causes for children and areas of financial need. He is open to providing pro bono financial planning services for those who are financially disadvantaged and would like to improve their situation.
Nick and his wife have been married since 1997. They have two wonderful children and reside on the Peninsula in the San Francisco Bay Area. He and his wife are active with their children, and enjoy traveling and new adventures. When he is not working, he enjoys being active especially playing tennis, golf, skiing, biking, and hiking.