# Michael Ruff

> Michael Ruff is a fee-only financial advisor at Rainier Family Wealth in Tacoma, Washington, who holds the CFA credential. Michael focuses on estate & legacy planning and tax planning. Rainier Family Wealth reports charging a percentage of assets on its Form ADV.

Page: https://find.wellspent.co/advisors/michael-ruff/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Rainier Family Wealth
- **Based in:** Tacoma, Washington
- **Fee model (firm's Form ADV):** Percentage of assets
- **Assets under management (firm):** $331.5M across 446 accounts
- **Credentials:** CFA
- **Specialties:** Estate & legacy planning, Tax planning
- **CRD:** 3148321 (https://adviserinfo.sec.gov/individual/summary/3148321)
- **SEC registration:** Investment adviser representative in WA
- **Exams passed:** Series 66 (1998)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://www.rainierfamilywealth.com/

## Frequently asked questions

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

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

### How does Michael charge for financial advice?

Michael's firm, Rainier Family Wealth, reports charging a percentage of assets on its SEC Form ADV.

### Where is Michael Ruff based?

Michael Ruff is based in Tacoma, Washington.

### What does Michael specialize in?

Michael's specialties include estate & legacy planning and tax planning.

### What credentials does Michael Ruff hold?

Michael Ruff holds the CFA credential.

### Is Michael Ruff registered with the SEC?

Yes. Michael Ruff is registered as an investment adviser representative in WA (CRD 3148321), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Rainier Family Wealth manage?

Rainier Family Wealth reports $331.5M across 446 accounts in assets under management.

### How do I contact Michael Ruff?

Through Michael's website, www.rainierfamilywealth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3148321): 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
- The firm's website (https://www.rainierfamilywealth.com/): specialties, clients served, and fees, checked October 30, 2026

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