Ryan attended the Pennsylvania State University, State College, PA where he earned a Bachelor of Science degree in Business Administration in 1994. Ryan is a graduate from the College for Financial Planning, Greenwood Village, CO and also carries the designations of CERTIFIED FINANCIAL PLANNER® .
Ryan started his career at Merrill Lynch under their Paths of Achievements Program.
His career continued as a Financial Advisor with the Wealth Management Division of Smith Barney / Citigroup Global Markets, Inc.
Ryan joined Heritage Investment Partners, LLP as a Managing Partner in July of 2008.
Heritage Investment Partners, LLP is a private investment services and financial planning firm whose goal is to provide the most appropriate advice and best client experience within the financial services industry.
Our desire to be true advocates for our clients is the cornerstone for the creation of Heritage Investment Partners, LLP.
Securities Offered Through LPL Financial, Member FINRA/SIPC
Financial Planning offered through Heritage Investment Partners, LLP - A Registered Investment Advisor and separate entity from LPL Financial. The LPL Financial registered representative associate with this website may discuss and/or transact business only with residents of the states in which they are registered or licensed. No offers may be made or accepted from any resident of any other state. LPL Financial representatives offer access to trust services through The Private Trust Company N. A., an affiliate of LPL Financial.
General Information |
| Firm Start Year: | 2006 | |
| Insurance License#: | 7565962 |
| Name of Broker/Dealer: | LPL Financial |
| States Licensed in: | AZ, CA, CO, CT, DC, FL, GA, IA, IL, KS, MA, MS, NC, NJ, NV, NY, OH, PA, TX, WI |
| Number of Years with Current Firm: | 14 |
| Work with the following types of clients: | Individual Investors, Non-Profit Organizations, Businesses |
| Advisory Services Provided: | Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, Education Funding and Planning, Financial Planning for Individuals, Financial Planning, Portfolio Management, Money Management, Wealth Management, Retirement Planning |
Services |
| Investment Types: | Alternative Investments, Exchange Traded Funds (ETFs), Mortgages & Real Estate, Bonds, Stocks, Options & Futures, Insurance, Mutual Funds, Annuities, Commodities, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Our Office, Phone, Email, Your Office, Video Conference, Our Offices |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Annuity, Life, Variable Annuity, Long Term Care, Variable Life |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $100,000 |
| Fee % Based on Assets: | Tiered |
FAQs |
Do you have a customer satisfaction or refund policy?All fees are discussed and explained fully before any work is performed. The client can leave at any time and we will assist in all transitions. |
Why should I choose you as my financial advisor?I treat each client as if they were a family member. I give advice and guidance that I'd want myself or that I'd give my brothers. I strive to have an attention to detail and provide a prompt and valuable client service experience. |
What are your qualifications? What is your education background?Bachelor of Science in Business Administration from Pennsylvania State University 1994. Worked for an energy services company until 2002 where I was responsible for business development and arranging project financing. Have been a financial advisor since then. I became a Certified Financial Planner in 2008 and still hold that designation, which requires I adhere to a Code of Ethics as well as continuing education each year. I also have received the Chartered Retirement Planning Counselor and Certified Divorce Financial Analyst designations. As an advisor with 19 years experience I continue to learn every day. |
How do you charge for your services?Brokerage accounts are commissionable. The fee depends on the size of the trade. Advisory accounts are fee-based in a tiered approach. The larger the account, the less on a percentage basis the fee. All fees are disclosed and explained fully prior to any engagement. |
How are you compensated? How will I pay for your services?As a Registered Investment Advisor we can simply do a comprehensive financial plan for a set fee with no further obligation. If the client wants us to help manage assets, we can do so in a commissionable brokerage account or a fee-based advisor account, whatever is most suitable. |
Disclosures |
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WiserAdvisor provides referrals to financial professionals of LPL Financial, LLC (LPL). WiserAdvisor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay WiserAdvisor cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. LPL ADV 2A https://www.lpl.com/content/dam/lpl-www/documents/disclosures/A58.pdf Additional Detailed Disclosures |
Registered Investment Advisor:
Yes
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
Have a clean record
Criminal Disclosures in Last 5 years:
Have a clean record
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