Rugh Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$16,000,000
Clients
23
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
23
TypicalAverage account size
$695,652
About
Rugh Financial is an independent, fee-only advisory practice that provides goal-oriented financial planning and portfolio management to individuals, couples, families and business owners. The firm manages roughly $16 million for a small client roster and delivers customized advice through a mix of hourly, fixed-fee and AUM arrangements.
The firm typically operates on a non‑discretionary basis, communicating recommended buys and sells to clients for approval and conducting quarterly reviews or more frequent meetings after significant economic events. Investment recommendations emphasize broadly traded mutual funds, ETFs, stocks and bonds with a long-term orientation tailored to each client’s risk profile.
Compared with peers, Rugh Financial’s predominately non‑discretionary asset management is uncommon among independent firms and reflects a hands-on approval process for trades. The firm also offers financial review services for small businesses, operates as a fiduciary, does not accept third‑party compensation, and leaves proxy voting to clients.
Client services
Financial planning
Portfolio management
Expertise
Wealth management
Occupation focus
Founder/Business Owner
Fee options
Fixed fees dependent on scope and complexity of services for financial plans and advice.
$0 - $1,000,000: 1% annually $1,000,001 - $3,000,000: 0.75% annually $3,000,001+: 0.5% annually
$250 per hour
Fee-only: Fee-only compensation, no commissions received by the adviser.
Main office location
Rugh Financial
Menlo Park CA, United States
Number of offices
1
Most active in
Rugh Financial has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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