Theresa RutledgeTheresa Rutledge, CFP®Managing DirectorWealth Partner
Awards and Industry Recognition
Forbes
About Theresa
Theresa Rutledge is a Managing Director and Wealth Partner at J.P. Morgan Wealth Management.
As a co-founder of The Rutledge Custodio Team, Theresa provides enduring leadership and a refined caliber of strategy to company founders, senior executives, professional investors and other wealth creators. With more than two decades of experience advising an accomplished clientele, she offers the stability and perspective to support individuals and families in resolving the complexities that substantial wealth can pose. Theresa and her team also provide clients with the time and attention to pursue a more purposeful trajectory for their wealth, connecting their current circumstances to the arc of their ambitions.
Theresa notes that the team's approach is grounded in thorough financial planning, undertaken with the rigor and clarity that can empower sound decision-making. She and her colleagues look to align and unify multiple facets of client wealth. They have particular depth in pre-liquidity-event planning, tailored portfolio design, trust and estate services, and wealth transfer. By serving a limited number of households by design, Theresa and her team members are able to offer the immediacy and attentiveness that demonstrate how much they value each relationship.
Prior to moving to J.P. Morgan Wealth Management with her team in 2023, Theresa was a Managing Director and Wealth Manager with First Republic Private Wealth Management. Earlier in her career, she served as a Senior Vice President and Private Wealth Advisor with Merrill Private Wealth Management, where she spent more than 15 years. She has worked in investing and wealth management since 2001.
Theresa earned her B.A. in Political Science from the University of California, Los Angeles. She holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the CFP® Board of Standards, Inc.
Active in her community, Theresa volunteers as a financial literacy instructor for the Boys & Girls Clubs of the Peninsula and serves on the organization's Endowment Investment Committee.
A native of the Bay Area, Theresa enjoys living and working close to her roots. When weather permits, she likes to bike to work. She and her husband, Steve, also stay active on the weekends, taking long walks and bike rides. They have two adult sons who make them very proud. In her free hours, Theresa loves entertaining and planning her next gathering for family and friends.
CFP Board owns the marks CFP® and CERTIFIED FINANCIAL PLANNER® in the U.S.
Insights
Insight 7: Develop a capable and committed rising generation
August 5, 2025Members of the younger generation are the future stewards of the family enterprise, so it is important to invest time and resources in cultivating their interests and skills.Read Now
July Jobs report highlights US job growth has slowed significantly; markets react negatively
August 4, 2025Job growth slowed in July with only 73,000 new jobs added and earlier months revised sharply lower, showing the labor market has weakened.Read Now
Differentiating large from small: Firm size and exposure to trade tensions
August 1, 2025With tariffs likely to settle at elevated rates, we explore how company size may shape the impactRead Now
July 2025 Fed meeting: Rates hold steady once again, potentially setting up fall intrigue
July 31, 2025The Federal Reserve held rates steady once again in July, but the decision wasn’t unanimous. What could that mean for economic policy going forward?Read Now
Insight 1: Build and sustain a “great” extended family
July 30, 2025Investing in family development can have a long-lasting impact on your family’s wealth and legacy of values and traditions.Read Now
Defying the tariff drag: 3 reasons markets are moving forward
July 25, 2025The risks are real, but so is resilience. Here’s why fears about trade and policy setbacks are fading.Read Now
Capitalizing on the tax-deferral advantage of a variable annuity
July 24, 2025A variable annuity is a tax-deferred retirement product that accumulates funds or distributes income based on the performance of the underlying investment options chosen by the contract owner. Read why this can be especially beneficial for individuals in a high tax bracket.Read Now
How to use life insurance as a financial asset
July 23, 2025Yes, life insurance can offer a benefit to loved ones when you pass, but it can also be a financial asset during your life. Learn how it works.Read Now
How much of your portfolio should be in non-U.S. stocks?
July 22, 2025Explore why it may be beneficial to consider adding non‑U.S. equities by examining valuation shifts, volatility patterns and long‑term return potential.Read NowInsight 7: Develop a capable and committed rising generation
August 5, 2025Members of the younger generation are the future stewards of the family enterprise, so it is important to invest time and resources in cultivating their interests and skills.Read NowJuly Jobs report highlights US job growth has slowed significantly; markets react negatively
August 4, 2025Job growth slowed in July with only 73,000 new jobs added and earlier months revised sharply lower, showing the labor market has weakened.Read NowDifferentiating large from small: Firm size and exposure to trade tensions
August 1, 2025With tariffs likely to settle at elevated rates, we explore how company size may shape the impactRead NowJuly 2025 Fed meeting: Rates hold steady once again, potentially setting up fall intrigue
July 31, 2025The Federal Reserve held rates steady once again in July, but the decision wasn’t unanimous. What could that mean for economic policy going forward?Read NowInsight 1: Build and sustain a “great” extended family
July 30, 2025Investing in family development can have a long-lasting impact on your family’s wealth and legacy of values and traditions.Read NowDefying the tariff drag: 3 reasons markets are moving forward
July 25, 2025The risks are real, but so is resilience. Here’s why fears about trade and policy setbacks are fading.Read NowCapitalizing on the tax-deferral advantage of a variable annuity
July 24, 2025A variable annuity is a tax-deferred retirement product that accumulates funds or distributes income based on the performance of the underlying investment options chosen by the contract owner. Read why this can be especially beneficial for individuals in a high tax bracket.Read NowHow to use life insurance as a financial asset
July 23, 2025Yes, life insurance can offer a benefit to loved ones when you pass, but it can also be a financial asset during your life. Learn how it works.Read NowHow much of your portfolio should be in non-U.S. stocks?
July 22, 2025Explore why it may be beneficial to consider adding non‑U.S. equities by examining valuation shifts, volatility patterns and long‑term return potential.Read Now