CIC Wealth | Financial Advisor in Gaithersburg ,MD

9841 Washingtonian Blvd
Suite 415
Gaithersburg, MD 20878
Phone: (301) 816-4683

Life Well Calculated


About

CIC Wealth empowers people to achieve financial independence, manage the risk of outliving their assets, and leave a legacy.

We take a holistic approach to financial planning. We are here to educate you and design a strategy to help you live worry-free now and in the future.

After 17 years, CIC Wealth remains steadfastly committed to the same simple idea: helping clients reach their personal financial goals through straightforward, unbiased financial advice and guidance.

23 Years of Experience



General Information
Firm Start Year:   1999
No.of Employees:   10-19
Insurance License#:   86236
Name of Broker/Dealer:   Commonwealth Financial Network
Name of Custodial Firm:   National Financial Services
States Licensed in:   AK,AL,AZ,CA,CO,CT,DC,DE,FL,GA,HI,IA,IL,IN,LA,MA,MD,MI,MO,MS,NC,NJ,NY,NV,OH,OR,PA,RI,SC,SD,TX,VA,WA,WV
Number of Years with Current Firm:   17
Work Experience:   23 years
I work with the following types of clients:   Individual Investors , Businesses , Non-Profit Organizations


Services
Investment Types:   Annuities , Insurance , Mutual Funds , Stocks , Bonds , Alternative Investments , Exchange Traded Funds (ETFs) , Socially Responsible Investments (SRI)


Qualifications & Memberships
Insurance and Annuity Licenses:   Health , Variable Life , Annuity , Disability , Variable Annuity , Long Term Care , Life
Financial Organization Memberships:   Financial Services Institute , Paladin Registry


Firm Information
Assets Managed by Firm:   $400MM


Compliance
Registered Representative:   Yes
Investment Advisor Representative:   Yes
I am an acknowledged fiduciary:   Yes
Compliance Disclosures in Last 5 years:   I have a clean record
Criminal Disclosures in Last 5 years:   I have a clean record


Compensation & Fees
Fee Structure:   I am a Fee-Based financial professional
Minimum Portfolio Size for New Managed Accounts:   $250,000
Compensation Methods:   Commissions , Based on Assets , Flat Fee , Hourly
Fee % Based on Assets:   1
Hourly Rate:   $200
Additional Details on Charges:   First $1,500,000 - 1%
Next $1,500,000 - 0.8%
Over $3,000,000 - negotiable
Minimum Fee Charged for Managed Accounts:   $0
Minimum Fee Charged for Hourly Planning Accounts:   $200


Board Positions
Organization:  The Treatment and Learning Center of Rockville  Rockville, MD
Position :  Board of Trustees
Duration :  February 2011-Currently holding


Education
Bachelors - Economics  Towson University
09/1990-05/1994

Wharton Fellow - Business  University of Pennsylvania
07/2015- Current



FAQs

  • Do you have a customer satisfaction or refund policy? Our financial planning fees will be waived if a client feels that we have not provided value commensurate with the fee being charged.
  • Do you have a customer satisfaction or refund policy? Our financial planning fees will be waived if a client feels that we have not provided value commensurate with the fee being charged.
  • What are your qualifications? What is your education background? I have 23 years of financial planning and investment management experience. I graduated from Towson University with a degree in Economics and I am currently a fellow at the University of Pennsylvania's Wharton Business School.
  • What are your qualifications? What is your education background? I have 23 years of financial planning and investment management experience. I graduated from Towson University with a degree in Economics and I am currently a fellow at the University of Pennsylvania's Wharton Business School.
  • What is your approach to financial planning? We take a holistic approach to financial planning. This means that we approach the planning process independently and bias free. We act as fiduciaries and only make recommendations that we feel are appropriate.
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DISCLAIMER

Securities and advisory services offered through Commonwealth Financial Network®, www.FINRA.org / www.SIPC.org, a Registered Investment Adviser. This communication is strictly intended for individuals residing in the states of AK,AL,AZ,CA,CT,DC,DE,FL,GA,HI,IA,IL,IN,LA,MA,MD,MI,MO,MS,NC,NJ,NV,NY,OH,OR,PA,RI,SC,SD,TX,VA,WA,WV. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. Review our Terms of Use: www.commonwealth.com/termsofuse.html

Ryan Wibberley

Ryan Wibberley

AIF, CLTC

Biography


Ryan Wibberley is the CEO of CIC Wealth, which he founded in 1999. CIC has become one of the regions leading wealth management firms, providing investors with independent, unbiased advice while offering complete transparency.

Recognized as a leader in the wealth management industry, Ryan is a regular contributor in Forbes and The Wall Street Journal's MarketWatch. Ryan appears regularly in national publications that include The Wall Street Journal, Barron's, Reuters, and The Washington Post, as well as maintaining a strong voice within his industry in financial advisory focused publications. Ryan previously served his clients as a Financial Advisor at Legg Mason in Washington, DC where he offered financial planning and investment services. From 1993-1994 he worked with Merrill Lynch as a licensed registered representative in the Tyson's Corner, VA office.

Ryan earned a Bachelor's degree from Towson University in Baltimore, MD. He is also currently a Fellow at the Wharton School of Business, University of Pennsylvania. He holds the Accredited Investment Fiduciary (AIF) designation and the Certified in Long-Term Care (CLTC) designation, as well as the Financial Industry Regulatory Authority (FINRA) Series 7, 63, 65 and 24 securities registrations held through Commonwealth Financial Network. Ryan is an active member of the Financial Services Institute in Washington, DC.

Ryan enjoys spending time with his wife and two daughters. He embodies the active lifestyle, and enjoys surfing, running, snowboarding and playing tennis.

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My Services


Financial Advice & Consulting

We act as fiduciaries, providing unbiased, transparent and objective advice for individuals, families, and businesses.


Financial Planning for Individuals

Our individual financial planning clients go through an in depth financial planning process that addresses everything from current cash flow and savings, to creating an investment strategy based on both short and long-term goals, addresses risks, and helps our clients stay on track to achieve their goals


Financial Planning for Businesses

We help our business owner clients solve problems with solutions to combining succession planning with their estate planning, employee benefits, key employee retention strategies, tax mitigation, among other value added services.


My Team


Mark Jutkowitz
Mark Jutkowitz

Financial Advisor

Mark began at ING Financial Partners as a financial advisor. Mark exhibited enthusiasm for helping individuals achieve their financial goals. Mark strives to comprehend each client’s personal situation and objectives to establish a comprehensive and durable plan that is customized to the unique circumstances of each client. Mark earned a Bachelor of Arts degree in Economics from University of Maryland where he also played Division I lacrosse. In his senior year he earned his Life, Health, Disability, and Long Term Care insurance licenses. After graduating, he quickly became registered as FINRA Series 7 and 66 and started his career with a bang at ING. Mark believes in active, healthy living. As a defender for the Israeli National Lacros ...more


Communities Served

Alexandria Annandale
Annapolis Junction Arlington
Ashburn Ashton
Bethesda Boyds
Brookeville Burke
Burtonsville Cabin John
Centreville Chantilly
Chevy Chase Clarksburg
Clarksville Columbia
Damascus Derwood
Dickerson Ellicott City
Fairfax Fairfax Station
Falls Church Fort Myer
Frederick Gaithersburg
Garrett Park Germantown
Glen Echo Great Falls
Herndon Kensington
Laurel Leesburg
Marriottsville Mc Lean
Montgomery Village New Market
Oakton Olney
Poolesville Potomac
Reston Rockville
Sandy Spring Silver Spring
Springfield Sterling
Sykesville Vienna
Washington
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News & Events


CIC Wealth for Financial Excellence Scholarship
When: 10/31/2016
Details:CIC Wealth offers a scholarship for financial excellence. ...more


Afraid your retirement nest egg won’t last long?
When: 07/25/2015
Details:The Washington Post interview Ryan Wibberley about making money last in retirement. ...more


Gray divorce can drag both parties into the red
When: 08/09/2016
Details:The Washington Post interview Ryan Wibberley about divorce in retirement. ...more


The art of keeping an eye on aging parents
When: 09/02/2016
Details:The Washington Post interviews Ryan Wibberley about keeping an eye on aging parents. ...more


CIC Wealth Launches New Interactive Website
When: 06/10/2015
Details:The website offers a new uncluttered and intuitive design that puts key information on a single dashboard view and provides drilldowns to whatever level of detail the client needs. •A brand new Help function now works contextually to provide the relevant assistance to the page that the client is using. •The website has been redesigned for ease of use with simpler site navigation. ...more


CIC Wealth Establishes New Multi-Industry Board
When: 03/06/2014
Details:•CIC Wealth looks outside the financial advisory industry and engages diverse, top talent for new advisory board. •The advisory board members are top-ranked executives from industries that range from art museums to Google. •The advisory board will work with CIC Wealth partners to expand the firm's service model, enhance the firm's marketing plan, and support community outreach. ...more


Are High-Priced Managers Worth It?
When: 03/01/2013
Details:The Wall Street Journal interviews Ryan Wibberley about cost of high-priced fund managers. ...more


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