# Jaime Ruff

> Jaime Ruff is a fee-only financial advisor at HB Wealth in Nashville, Tennessee, who holds the CFP, CPA/PFS and MBA credentials. Jaime charges a percentage of assets and a flat fee or retainer (1.25% a year on the first tier of assets managed) and focuses on estate & legacy planning, tax planning and retirement planning.

Page: https://find.wellspent.co/advisors/jaime-ruff/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** HB Wealth
- **Based in:** Nashville, Tennessee
- **Fee model:** Percentage of assets; Flat fee or retainer
- **Fees (firm's website):** 1.25% a year on the first tier of assets managed
- **Assets under management (firm):** $30.16B across 26,148 accounts
- **Credentials:** CFP, CPA/PFS, MBA, CFDS
- **Specialties:** Estate & legacy planning, Tax planning, Retirement planning, Divorce financial planning, Family wealth transfer
- **Works with:** Founders, Executives, Physicians, Ultra high net worth, Multi-generational families, Divorced individuals, High earners
- **CRD:** 5680454 (https://adviserinfo.sec.gov/individual/summary/5680454)
- **SEC registration:** Investment adviser representative in GA
- **Firm size:** 325 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** http://hbwealth.com

## Frequently asked questions

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

Yes. Jaime Ruff is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Jaime's firm.

### How does Jaime charge for financial advice?

Jaime charges a percentage of assets and a flat fee or retainer.

### How much does Jaime charge?

According to HB Wealth's website, checked October 28, 2026: 1.25% a year on the first tier of assets managed.

### Where is Jaime Ruff based?

Jaime Ruff is based in Nashville, Tennessee.

### What does Jaime specialize in?

Jaime's specialties include estate & legacy planning, tax planning, retirement planning, divorce financial planning and family wealth transfer. Jaime works with founders, executives, physicians, ultra high net worth and multi-generational families.

### What credentials does Jaime Ruff hold?

Jaime Ruff holds the CFP, CPA/PFS, MBA and CFDS credentials.

### Is Jaime Ruff registered with the SEC?

Yes. Jaime Ruff is registered as an investment adviser representative in GA (CRD 5680454), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. The record lists disclosures; see the SEC record for details.

### How much does HB Wealth manage?

HB Wealth reports $30.16B across 26,148 accounts in assets under management.

### How do I contact Jaime Ruff?

Through Jaime's website, hbwealth.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/1267): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://hbwealth.com/): specialties, clients served, and fees, checked October 28, 2026

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