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Simplifying your Financial Life

Clients require a tailor-made solutions reflecting their specific requirements, lifestyle and wishes. RSOA build solutions that meet precisely with your needs, then to implement them professionally and responsibly.

You choose how you work with us; face to face meetings in the office, business, or home. It's time that you work with real people who understand your financial situation, not to outsource your needs to a call center to give you "robo advice."

Personal Solutions

Our focus is on long-term client relationships and the delivery of quality advice. We will not promise or make any commitment we cannot deliver.

Find out more

Thomas A. Ruggiero, CEO

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For the past 30 years, Mr. Ruggiero has been and continues to be

recognized and respected as a successful investment professional in the

financial services industry. Prior to founding RSOA, Mr. Ruggiero held senior

positions with such respected Wall Street firms as JP Morgan Chase,

Citigroup, Citibank, and HSBC.

He has received numerous awards from some of the top Fortune 100

financial service companies in recognition of his business acumen and

exceptional results.

Mr. Ruggiero was directly responsible for 1,100 financial advisors who were

managing a market value of $4.52 bililon brokerage assets under

management with $72 million in net revenue.

He is highly respected and sought out for offering sound, reliable financial

guidance that results in his clients’ attaining their financial goals. His advice

is sound, objective, unbiased, and personally tailored to each client’s needs

and situation.


General Industry/Products Exam

Series 7 - General Securities Representative Examination  

State Securities Law Exam

Series 66 - Uniform Combined State Law Examination

Series 63 - Uniform Securities Agent State Law Examination

Principal/Supervisory Exam

Series 9 - General Securities Sales Supervisor - Options Module Examination

Series 10 - General Securities Sales Supervisor - General Module Examination

Series 24 - General Securities Principal Examination

State Insurance License 

Florida Health, Life, Annuity Insurance License

New York State Health, Life, Annuity Insurance License


Education

Farmingdale, New York

Farmingdale University            Business 1989


Thomas W. Ruggiero, President

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Thomas “Tom” is President and Managing Partner with Retirement Services of America, Inc. After an extensive career in the Aeronautical Industry he expanded his career into the financial services industry. Tom believes both knowledge and education are a critical part of the advisor-client relationship. He has learned the importance of developing a very clear understanding for client’s needs and goals and establishes a plan of action in order to achieve them. This has allowed Mr. Ruggiero to help clients not only plan out retirement, but life’s unexpected events. Tom’s personal satisfaction comes from helping people protect the assets they have worked hard to accumulate.


Tom is a licensed agent for Life, Accident, and Health Insurance in both Florida and New York. Mr. Ruggiero received a BA in Business Administration from the Metropolitan College of New York. His education continues as he is pursuing his CFP “Certified Financial Planner” designation. 

Tom maintains multiple securities licenses within the financial industry that are an asset in helping his clients meet their needs and goals. 


General Industry/ Products Exams Passed:

Series 7 General Securities Representative Examination

Series 63 Uniform Securities Agent State Law Examination

Series 65 Uniform Investment Adviser Law Examination

State Insurance License 

Florida Health, Life, Annuity Insurance License

New York State Health, Life, Annuity Insurance License

Christopher T. Ruggiero, Managing Partner

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Christopher has built a career of helping clients plan for the future by achieving their financial goals. With almost 20 years of experience in the financial service industry he has worked in Fortune 500 Companies such as J.P. Morgan Chase, Capital One, and TD Ameritrade as well as the large independent broker dealers. Mr. Ruggiero, has served in multiple roles including Regional Supervisor, Municipal Bond Principal, Structured Product Principal, Bank Officer, and Financial Advisor.  


Throughout his career, he has made it his mission making sure that the clients are always put first making sure everything is in the best interest of the client. When speaking with Mr. Ruggiero about what is most important in meeting with clients concerning their financial plan, he emphasizes; “The planning phase is the most important time to be spent with a client. We need to not only understand the client financial profile, but we need to understand their goals, needs, wants, desires, and everything else that is relevant in their personal life. When this is accomplished we create a road map for success.”

Christopher graduated from Empire State College, State University of New York with a Bachelor of Professional Studies and maintains multiple securities licenses within the financial industry. 


General Industry/ Products Exams Passed:

Series 7 General Securities Representative Examination

Series 87 Research Analyst Exam - Part II Regulations Module

State Securities Law Exam

Series 63 Uniform Securities Agent State Law Examination

Series 65 Uniform Investment Adviser Law Examination

Principal/Supervisory Exam

Series 4  Registered Options Principal Examination 

Series 24 General Securities Principal Examination

Series 27 Financial and Operations Principal Examination

Series 53 Municipal Securities Principal Examination

State Insurance License 

New York State Health, Life, Annuity Insurance License