# Charles Ruff

> Charles Ruff is a fee-only financial advisor at Layline Advisors in Rochester, New York, who holds the CFA credential. Layline Advisors reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/charles-ruff/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Layline Advisors
- **Based in:** Rochester, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $131.3M across 418 accounts
- **Credentials:** CFA
- **CRD:** 7174900 (https://adviserinfo.sec.gov/individual/summary/7174900)
- **SEC registration:** Investment adviser representative in NY
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** http://www.laylineadvisors.com

## Frequently asked questions

### Is Charles Ruff a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Charles holds no broker registration, and Layline Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Charles charge for financial advice?

Charles's firm, Layline Advisors, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Charles Ruff based?

Charles Ruff is based in Rochester, New York.

### What credentials does Charles Ruff hold?

Charles Ruff holds the CFA credential.

### Is Charles Ruff registered with the SEC?

Yes. Charles Ruff is registered as an investment adviser representative in NY (CRD 7174900), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Layline Advisors manage?

Layline Advisors reports $131.3M across 418 accounts in assets under management.

### How do I contact Charles Ruff?

Through Charles's website, www.laylineadvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7174900): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.