Meet the Team

ALBERT (AL) RUGGIERO, Financial Advisor

(781) 876-4180 | aruggiero@baystatefinancial.com | LinkedIn

I’m an established financial professional with more than 15 years of financial advisory experience. I have an unwavering commitment to my clients and to their sustainable success.  At Baystate, I continue to provide a full spectrum of financial advisory services, including retirement planning, estate conservation, protection planning, and business succession, to an established clientele of professionals, entrepreneurs and multi-generational families.

As a client-centric advisor, I always strive to exceed client needs with exceptional focus, in-depth advice and a commitment to holistic solutions that give my clients and their families a lasting voice. I’ve spent my entire professional career in the financial services business and, as a result, have a true understanding of where the industry has been and what the future holds as the industry continues to evolve. My professional alliances boast a network of accomplished leaders and innovators across diverse corporate cultures. Additionally, I regularly pursue continuing education and new solution training to stay on the cutting edge of the industry. 

THOMAS E. RUGGIERO, CLU®, ChFC®, Financial Planner

(800) 884-1842 | truggiero@baystatefinancial.com | LinkedIn

With over 40 years of experience, I provide consultative services to help my clients work towards financial independence. I take a thorough and straightforward approach to helping clients manage their finances. I assist in developing and implementing financial strategies designed to align with individual goals and circumstances.

At Baystate Financial, I utilize the team approach and draw upon the wealth of knowledge of my associates to create custom designed financial strategies for my clients. As a Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU), my areas of expertise include Investments, Financial Planning, Life Insurance, Annuities, Estate Preservation Planning and Executive Benefits.