For over 20 years, Kelly Ruggles of Spokane, Washington, has served as president of American Reliance Group, a Registered Investment Advisor (RIA) firm. He advises others on investments, money management, and financial planning. Kelly Ruggles is also a Chartered Life Underwriter (CLU).
A CLU specializes in life insurance and estate planning. Earning a CLU accreditation requires the completion of demanding core and elective courses, along with six examinations. Some of the required course topics include retirement planning, investments, financial planning, and health insurance. As one of the earliest and most esteemed financial-service credentials, the CLU designation gives financial advisors a competitive advantage, since those who attain it demonstrate an in-depth understanding of the knowledge, professionalism, and ethics needed to deliver reliable financial advice.
To keep the CLU designation, professionals must complete 15 hours of continuing education annually and adhere to the American College of Financial Services’ Code of Ethics.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of American Reliance Group, Inc. and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by American Reliance Group, Inc. Insurance products and services are offered through Kelly Ruggles, Spokane. American Reliance Group, Inc. and Kelly Ruggles, Spokane are affiliated companies
