Kelly Ruggles is a fee-based financial planner and educator with more than 15 years of experience in the retirement planning arena.

Kelly Ruggles is President of American Reliance Group Inc.

Kelly Ruggles has worked in the financial industry for about 15 years and, during those years, has represented a wide range of well-known financial institutions.

Kelly Ruggles Advises Personalized Retirement Financial Plans

According to Kelly Ruggles, every person has different financial requirements, thus any retirement financial plan should include components to fulfill those individualized requirements.

Kelly Ruggles: Experienced Fee-Based Financial Planner

Kelly Ruggles also is the founder of American Reliance Group Inc. which facilitates financial planning for retirees.

Kelly C. Ruggles: Investment Adviser Representative and Educator

Kelly C. Ruggles has years of experience working in the field of retirement financial planning, and also is a investment advisor representative.

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Blog

		Common Investment Mistakes According to Kelly Ruggles
		Kelly Ruggles Provides Beneficial Investment Strategies for Retirees
		Kelly Ruggles is the author of "The Financial Playbook" for Retirement
		Kelly Ruggles, An Experienced Speaker On The Subject Of Retirement Planning

Newsletter

		Newsletter for Feb - Stepping In When Your Parents Can No Longer Manage
		Newsletter for Jan - December 2010 Market Recap
		Newsletter for Dec - Retirement Planning: Benefits of Spousal IRA'S
		Newsletter for Nov - 10 Year-End Tax Tips

Kelly Ruggles: Articles

A New World Order: Investing Internationally

As the United States economy continues to sputter, investors in search of better returns and greater diversification are casting their nets elsewhere around the world. Looking for growth abroad could be a smart move: Foreign markets currently represent nearly 60% of the world's investment opportunities

FAQ’s for Near-Retirees

After years of saving and investing, you can finally see your retirement on the horizon. But before kicking back, you still have some important planning to do.

Common Retirement Planning Mistakes - And How to Avoid Them

Only 13% of American workers say they are "very confident" they will have enough money to live comfortably throughout retirement. To help reduce such uncertainty from your life, consider these five common investment pitfalls -- and how to avoid them.

Do You Have Enough Disability Insurance

The statistics are alarming: Nearly one-in-three Americans will become disabled for more than 90 days at some point during their working careers. Yet most workers don't give a second thought to the need for disability insurance.

Can You Afford to Buy a Home?

To find out how much home you can afford most prospective home buyers begin the traditional task of putting together a budget of their income and expenses.

Benefits of Working With a Financial Professional

A qualified financial professional is trained to estimate your financial needs, minimize the impact of taxes, and pursue portfolio diversification.

College Planning: Teach Your Children to Save

Children can earn money, learn about sources of financial aid, research potential colleges, and take other steps that may relieve their parents of some of the responsibility of college planning.

Retirement is Coming, But Americans Aren’t Ready

Every year, the Employee Benefit Research Institute (EBRI) conducts a national survey that polls preretirees and retirees about their financial preparation and attitudes toward retirement planning.

Tips for Maximizing Your Child’s Eligibility for Financial Aid

As you develop a strategy to increase your financial aid eligibility, you should ask yourself whether using a specific investment strategy is consistent with your ethical values as well as your long-term financial goals.

Your Life Stage Can Influence Your Investment Selection

If you'd like to have a bit of fun while also gaining insights into an important investment strategy, then spend a moment thinking about three or four people you know whose lives all seem quite different.

Signing up for Medicare: What you Need to Know

Whether you need to sign up for Medicare, and how to go about doing so, depends on the type of coverage you select and whether you collect Social Security benefits prior to becoming eligible for Medicare.

FSA - Flexible Spending Account

A flexible spending account (FSA) offered as an elective benefit by many employers, permits workers to contribute, through payroll deduction, to accounts that are designated for specific qualified medical or dental expenses not covered under your health insurance plan.

5 Tips for Managing Debt

Understanding how much debt you can handle and being smart about managing your debt can help you pursue long-term financial goals.

Four Tips to Surviving the "New Normal" Economy

Slow economic growth, higher unemployment, more market volatility: Welcome to the "new normal" economy. There are some simple things you can do to help protect yourself from whatever the future holds.

International Investing: Broaden Your Horizons

It has been hard to read recent news reports without mention of challenges abroad: government austerity measures sparking unrest in Greece, an Icelandic volcano disrupting air travel, concerns about a real estate bubble in China.

Roth IRA Conversion: Is It Right for You?

Should you convert all or a portion of your traditional IRA assets to a Roth IRA account? Until recently, retirement investors desiring to convert all or a portion of a traditional IRA to a Roth could only do so if their modified adjusted gross incomes (MAGIs) were $100,000 or less.

Kelly Ruggles Provides Simple Investment Options for Retirees

Kelly Ruggles is a fee-based financial planner and educator with more than 15 years of experience in the retirement planning arena. Chapters from his book and his financial articles are available to be read at his Web site.

Kelly Ruggles is President of American Reliance Group Inc.

Kelly Ruggles is president and founder of American Reliance Group Inc a registered investment adviser. American Reliance Group helps retirees and preretirees fulfill their financial goals by assisting them in the management of their monetary resources after retirement.

Kelly Ruggles Advises Personalized Retirement Financial Plans

Kelly Ruggles is an investment adviser representative with more than 14 years of experience in the field of retirement financial planning. Kelly Ruggles also is the founder and president of American Reliance Group Inc, a registered investment adviser.

Kelly Ruggles: Experienced Fee-Based Financial Planner

Kelly Ruggles is an experienced financial planner from Spokane, Washington who excels in providing financial advice to retirees and preretirees who want to manage their finances optimally after retirement.

Kelly C. Ruggles: Investment Adviser Representative and Educator

Kelly C. Ruggles is president and founder of American Reliance Group Inc. Based in Spokane, Washington. Kelly Ruggles has spent nearly two decades working in the retirement financial planning industry and has helped more than a thousand retirees and preretirees plan for their retirement years.

Kelly Ruggles Offers Unique Retirement Strategies for Retirees

Kelly Ruggles puts great emphasis on the need of retirement financial plans for retirees. Retirees can benefit greatly by getting a retirement financial plan made that suits their budget and financial requirements.

Kelly C. Ruggles – Fee based Financial Planner From Spokane, Washington

Kelly C. Ruggles is a fee based financial planner form Spokane and he provides financial advice to retirees and people near their retirement age. Kelly C. Ruggles believes that every person has different financial goals that can be fulfilled only through customized retirement financial plans.

Kelly Ruggles - Retirement Planning Expert With More Than 14 Years of Experience

Kelly Ruggles is an educator and investment adviser representative from Spokane, Washington. Kelly Ruggles has helped more than 1,000 retirees and preretirees create financial plans for their retirements.

Investors Should Look for Funds With Big Manager Stakes

The mutual fund analysis service looked at the levels of fund ownership by their managers and found those who put more than $1 million of their own money into their funds out performed their peers.

Did The Last Ten Years Invalidate A Buy And Hold Investing Strategy?

Does two major bear markets in 10 years, and the recent whipsaw when stocks fell sharply in 2008 and rose sharply in 2009, mean that "buy and hold" investing is dead? A lot of pundits are saying so.

Women in Crisis, Fleeing Stocks, & More

Women are affected financially by a life crisis more than men, found a survey by the American Association of Retired Persons. Divorces, death of a spouse, long-term job loss, and serious illness or disability, on average leave women worse off, than men.

401K Loyalty, Boomer Shortfall, & More

Although the average worker lost about 28 percent of the value of his 401k in 2008, about 74 percent of those eligible continued to contribute to the plans, says Hewitt Associates, a benefits consultant.

Retirement May Come Earlier Than You Think

It's no secret that many baby boomers are planning on working later in life to shore up a nest egg that is smaller than it should be.

As Overdraft Fees Drop, Free Checking May End

The new rules will certainly change checking products, said Ben Woolsey director of marketing and consumer research at Credit-Cards.com.

Address Issues You Can Control When Doing Estate Planning

In the meantime, anyone doing their own estate planning should focus on the important issues that are in their control.

Going It Alone, Life Lessons, & More

Employees who save through 401k plans but ignore financial advice resources offered by the plans often take too much risk, a new study has found.

Don't Believe The Myth of The Stock Market's "LOST DECADE"

We have been hearing the hype for over a year: the 10-year-period from 2000 through 2009 was a "lost decade" for stock market investors, featuring two large bear markets..

Investor Behavior and the Brass Ring

The average investor has finally learned the basic principles of managing a retirement portfolio, but getting him or her to actually put that knowledge into action is continually a daunting task.

Difference Between Term and Cash Value Life Insurance

Term and cash value are the two main categories of life insurance.* The best choice for your circumstances is likely to depend on how much you are willing to pay for premiums and how long you believe you will need the insurance.