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About Michael . . . . . .

M Ruger

Hi, I’m Michael Ruger. I’m the managing partner of Greenbush Financial Group and the creator of the nationally recognized Money Smart Board blog. I created the blog because there are a lot of events in life that require important financial decisions. The goal is to help our readers avoid big financial missteps, discover financial solutions that they were not aware of, and to optimize their financial future.

Whether you are a college student preparing for your first career, purchasing your first house, planning for retirement, or a business owner looking for advanced tax strategies, I designed the blog to put our best financial planning, investment, and tax strategies out in the open for all to see and benefit from.

My Background…………..

I genuinely love finance. I have been in the financial planning and investment industry for over 15 years. My career started in the investment department of a bank that specialized in employer sponsored retirement plans. I later obtained by CFP® designation and expanded into personal financial planning and investment management. At the age of 26 , I became the Chief Investment Office of Greenbush Financial Group and over the past 10+ years we have grown the firm to over $250,000,000 in client assets. I maintain the following well recognized designations:

  • Certified Financial Planner
  • Qualified 401(k) Administrator
  • Certified Divorce Financial Analyst

My Family & Hobbies

Family wise, I’m married to my wife Joelle and we have three daughters, Maddie, Ellie, and Mia. The only other male in the house is my French Bulldog named “Knox”. We are fully emerged in what I have come to call the “organized chaos of life” juggling work, kid’s sports, house projects, homework, family gatherings, etc. For fun, I’m big into running and anything fitness related. I’m also a super early riser. My day typically starts at 4am with a run or workout and then the work day begins from there. Love it!

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Investment advisory services offered through Greenbush Financial Group, LLC. Greenbush Financial Group, LLC is a Registered Investment Advisor. Securities offered through American Portfolio Financial Services, Inc (APFS). Member FINRA/SIPC. Greenbush Financial Group, LLC is not affiliated with APFS. APFS is not affiliated with any other named business entity. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.