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.

RSOA President

Thomas A Ruggiero

For the past 30 years, Mr. Ruggiero continues to be recognized and respected as a successful investment professional in the financial services industry. He has held senior positions with Wall Street firms such as JP Morgan Chase, Citigroup, Citibank, HSBC and is currently President of Retirement Services of America, Inc. ("RSOA").

Mr. Ruggiero has received numerous awards from some of the top fortune 100 financial service companies for his business acumen and exceptional results. He was directly responsible for 1,100 Financial Advisors managing market value of $4.52 billion brokerage assets under management with $72 million in net revenue.

Mr. Ruggiero’s passion is offering sound, reliable financial guidance that results in attaining one's financial goals. As President of RSOA he is committed to providing objective, unbiased advice to clients based on their specific objectives and life goals.

Security Industry Licenses

Series 7, Series 9, Series 10, Series 24, Series 63, Series 66

Insurance Industry Licenses

Florida Life and Variable Life


Farmingdale, New York

Farmingdale University            Business 1989

Cleveland, Tennessee

Lee University                           General Studies

Thomas W Ruggiero

Thomas joined Retirement Services of America, Inc. in 2015. Mentored by his judicious father, he works with RSOA clients to develop their overall financial strategy, manage their investments, and integrate their investment, tax and estate planning into a cohesive wealth management plan. Thomas received a BA in Business Administration from the Metropolitan College of New York. 


Security Industry Licenses

Series 7, Series 63, Series 65

Insurance Industry Licenses
Florida Life and Variable Life


Metropolitan College of New York, New York, NY Bachelor of Business Administration 2010