Tom Ruggie on The Family Office View of Risk

Protecting wealth today goes far beyond insurance policies and investment portfolios. For affluent families, risk management increasingly means protecting a balance sheet, a legacy, a lifestyle, and future generations. In this episode of Risk Ready, Bryant Kolle sits down with Tom Ruggie, Founder and CEO of Destiny Family Office, to explore how family offices think about risk through a broader lens. From governance and reputational concerns to emerging lifestyle exposures and generational wealth transitions, Tom shares how sophisticated families approach protection in an increasingly complex world. The conversation examines where insurance fits within a larger wealth preservation strategy, the importance of coordination among trusted advisors, and what family offices expect from insurance professionals serving high-net-worth clients. Ultimately, this is a conversation about moving beyond policies and becoming a true strategic advisor, helping families protect not only what they own, but what they value most. 🎧 Listen now to gain a family office perspective on risk, protection, and long-term wealth preservation.