Destiny Wealth/Ruggie Wealth Management

10/08/2026

Q2 GDP Growth, Consumer Spending, AI Capex, & Rising Treasury Yields
https://21662002.hs-sites.com/q2-gdp-growth-consumer-spending-ai-capex-rising-treasury-yields-np1?hs_preview=sScZQDQC-223700181352
Your Weekly Market Commentary from Ruggie and Destiny Wealth

10/08/2026

Charitable giving rules changed in 2026, and for some donors, that may be a reason to review how gifts are being made.

For taxpayers who itemize, charitable contribution deductions are now subject to a floor equal to 0.5% of adjusted gross income. Other limits may also apply depending on income, the type of gift, and the taxpayer’s individual situation.

Qualified charitable distributions, or QCDs, are treated differently.

For 2026, the annual QCD limit is $111,000 per eligible IRA owner. Generally, the IRA owner must be at least age 70½, and the distribution must go directly from the IRA to an eligible charitable organization. Donor-advised funds are not eligible QCD recipients.

That does not make a QCD the right choice for everyone. The answer depends on factors such as income, deductions, IRA assets, charitable goals, and other tax considerations.

If charitable giving is already part of your plan, 2026 is a good year to review not just how much you are giving, but how you are making those gifts.

We help clients review their charitable giving plans and coordinate with their tax professionals before year-end decisions are made.



Investment advisory services offered through Destiny Wealth Partners, LLC, an SEC Registered Investment Advisor. Destiny Wealth Partners also conducts business under the names Destiny Wealth, Ruggie Wealth Management, and Nichols Wealth Partners. This information is provided for informational and educational purposes only and should not be construed as personalized investment, tax, legal, or accounting advice. Destiny Wealth Partners is not a law firm or certified public accounting firm. Please consult your tax professional regarding your individual circumstances. Please see important disclosures at https://hubs.la/Q04zwGMS0.

10/01/2026

Rising Rates, Meta’s Muse, & Weak Consumer Sentiment
https://21662002.hs-sites.com/rising-rates-metas-muse-weak-consumer-sentiment-1
Your Weekly Market Commentary from Ruggie and Destiny Wealth

09/24/2026

Fed Meeting, August Inflation, & Rising Interest Rates
https://21662002.hs-sites.com/job-growth-rising-oil-rates-next-weeks-fed-meeting-1
Your Weekly Market Commentary from Ruggie and Destiny Wealth

09/17/2026

Job Growth, Rising Oil & Rates, & Next Week's Fed Meeting
https://21662002.hs-sites.com/job-growth-rising-oil-rates-next-weeks-fed-meeting-1
Your Weekly Market Commentary from Ruggie and Destiny Wealth

09/11/2026

August Summary: Stocks Set New Highs as Investors Look Past Headlines & Focus on Fundamentals
https://21662002.hs-sites.com/august-summary-stocks-set-new-highs-as-investors-look-past-headlines-focus-on-fundamentals-1
Your Weekly Market Commentary from Ruggie and Destiny Wealth

09/03/2026

AI can make advisors more efficient. That is not the same as replacing the advisor.

At Destiny Wealth, the focus is on using AI first where it can reduce repetitive, process-driven work. Internal advisor support, email management, and better access to information are among the areas being explored.

The goal is simple: less time on process, more time on people.

As Tom Ruggie writes in his recent InvestmentNews article, clients are not usually calling to talk about what their portfolio did that week. They are calling about their business, their estate, their family, or something that is causing concern.

That is where judgment, trust, and the advisor relationship still matter.

Tom’s article looks at what Destiny is building, what the firm has learned so far, and why firms that delay adopting AI may find it harder to catch up.

Read the full article: https://www.investmentnews.com/news/expert-advice/ai-wont-replace-advisors-but-it-will-separate-the-ones-who-survive/266735

Investment advisory services offered through Destiny Wealth Partners, LLC, an SEC Registered Investment Advisor. Destiny Wealth Partners also conducts business under the names Destiny Wealth, Ruggie Wealth Management, and Nichols Wealth Partners. Additional disclosures and other important information may be found at destinywealth.com/disclosures/.

The firms building now have a head start that will be very difficult to close. The ones waiting are accumulating a debt they may not be able to repay.

09/02/2026

Oil & Yields Decline, New Home Sales, & Nvidia Earnings
https://21662002.hs-sites.com/oil-yields-decline-new-home-sales-nvidia-earnings-1
Your Weekly Market Commentary from Ruggie and Destiny Wealth

08/27/2026

Consumers Soften, Interest Rates Rise, & Stocks Trade Lower
https://21662002.hs-sites.com/consumers-soften-interest-rates-rise-stocks-trade-lower-1
Your Weekly Market Commentary from Ruggie and Destiny Wealth

08/24/2026

Putting everything in one stock is an obvious concentration risk. The harder question is whether a portfolio that looks diversified is still being driven by the same few risks.

A large position in one company is easy to spot. Concentration across a sector, investment theme, or several holdings that tend to move together can be harder to see.

That is why it can be useful to look beyond the number of investments you own.

In this video, Destiny Wealth Partners President and Managing Partner Rob Clark, CFP® discusses three areas to consider:

1. Reviewing where your wealth is concentrated
2. Looking at the tax implications of reducing that concentration
3. Considering whether other types of investments may play a different role in the portfolio.

Diversification is not about owning more for the sake of owning more. It starts with understanding the risks you already have.



Investment advisory services offered through Destiny Wealth Partners, LLC, an SEC-registered investment advisor. This content is for general informational purposes only and is not personalized investment, tax, or legal advice. Different investments and strategies involve varying degrees of risk and may not be suitable for every investor. Alternative investments may involve additional risks, including limited liquidity. Destiny Wealth Partners is neither a law firm nor an accounting firm. Learn more at destinywealth.com/disclosures.