Merrill
45yrs
Top advisor by experience in Ponte Vedra Beach
29yrs
Based in Ponte Vedra Beach, Florida, Michael Ruble is a fiduciary financial advisor with 29 years of industry experience. Michael has been with Merrill since 2017; before that, Michael spent eight years at BB&t Investment Services and eight years at Banc of America Investment Services. Merrill offers investment management, retirement plan consulting, and selecting outside investment managers and is paid through a percentage of assets, flat fees, and commissions.
One of 441 advisors with offices in Ponte Vedra Beach, and one of 417 fiduciaries.
At a glance
Experience29 years (since 1997)
How that compares ?Top 17% by experience at Merrill
Office824 A1a N, Ponte Vedra Beach, FL 32082
FirmMerrill
How the firm is paid ?Percent of assets, Flat fee, Commissions
Typical client at the firm ?$860,085
Advisors at the firm25,559
States licensed ?1 state
Services through Merrill
Investment management for individuals and small businessesInvestment management for businesses and institutionsRetirement plan consultingChoosing other investment managersEducational seminars and workshopsOther services
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Career
- 2017 – nowMerrillCurrent firm
- 2009 – 2017BB&t Investment Services, Inc.Previously
- 2001 – 2009Banc of America Investment Services, Inc.Previously
Contact Michael
Local office(904) 273-3856Ask for Michael. (800) 637-7455Main office · New York, NY 824 A1a NPonte Vedra Beach, FL 32082Office · Get directions
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Questions to ask Michael
Tailored to Michael’s registration and firm.
- What's your succession plan, and who would work with me if you retire?
- At a firm this size, will I work with you directly or with a service team?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
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About Michael
How do I contact Michael?
Call Michael’s local office at (904) 273-3856 or the Merrill main office at (800) 637-7455, and ask for Michael Ruble.
How long has Michael been a financial advisor?
Michael has been in the industry since 1997, about 29 years. Top 17% by experience at Merrill.
What licenses does Michael hold?
Series 63, Series 66. Tap any license on this page to see what it allows.
Is Michael a fiduciary?
Michael is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Michael paid?
Merrill reports being paid by a percentage of the assets they manage, flat or fixed fees, commissions on some products. Ask Michael for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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