For all your life insurance and annuity needs in
West Palm Beach.

Insurance options  for peace-of-mind, in all your endeavors!

About Us



You should consider annuities when developing your long term financial plan. Annuities give your the opportunity for lifetime payments and tax-deferred earnings

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Life Insurance


Most people with dependents already know they need life insurance. But millions still don’t have it.

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Our Team

Thomas A Ruggiero


Thomas began his financial career in 1986. He has held senior positions with Wall Street firms such as JP Morgan Chase, Citigroup, Citibank, HSBC. Mr. Ruggiero’s passion is offering sound, reliable financial guidance that results in attaining one's financial goals.

Security Industry Licenses

Series 7, Series 9, Series 10, Series 24, Series 63, Series 66

Insurance Industry Licenses

Florida Life and Variable Life

Tom Ruggiero


Tom works with RSOA clients to develop their overall financial strategy, manage their investments, and integrate their investment, tax and estate planning into a cohesive wealth management plan. Tom received a BA in Business Administration from the Metropolitan College of New York.  

Security Industry Licenses

Series 7, Series 63, Series 65​

Insurance Industry Licenses
Florida Life and Variable Life


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Contact Us for a free consultation

Would like an evaluation of financial and investment strategies already in place, please arrange a meeting with one of the Financial Advisors.

Retirement Services of America Insurance Agency

2054 Vista Parkway, West Palm Beach, Florida 33411, United States

(561) 717-0626


Monday - Friday: 8am - 5mm

Saturday: By appointment

Sunday: By appointment