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Ryan Wibberley

CIC Wealth

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Paladin Registry 5 Stars

This advisor or firm is a vetted, documented member of the Paladin Registry.

This advisor or firm received a 5 Star quality rating from Paladin’s research department. Paladin analysts use a proprietary algorithm to rate the quality of financial advisor and firm credentials, ethics, business practices, and services.

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Paladin Research Report For:

Ryan Wibberley

CIC Wealth

Ryan Wibberley, a financial fiduciary has been a Paladin Registry member since 2016. Ryan is the owner of CIC Wealth. Ryan holds the Accredited Investment Fiduciary certifications and has over 23 years of experience. Ryan provides financial services to clients in the Rockville, Maryland area.

I. Snapshot

A. Registry Member
  • Since 2016
B. Years of Experience
  • 23
C. College Degrees
  • Towson University - BS, 4 years
  • University of Pennsylvania, Wharton School of Business - Wharton Fellow
D. Certifications
  • AIF®
E. Financial Fiduciary
  • Yes
F. Business Philosophy
  • Read Business Philosophy

    CIC Wealth takes a holistic approach to financial planning, we are independent, we hold ourselves out as your fiduciary, we limit the number of new clients so we can provide top quality personalized service, we are proactive, we are disciplined in our value investing approach, we are experienced: our advisors bring to the table an average 18+ years of industry experience, we are dedicated to our clients with relationships that extend for decades and across generations, we are respected by our colleagues in the business, as well as the financial media, writing frequently on topics that cover stocks and finance for the Wall Street Journal, Forbes and a myriad of other financial publications.

G. Asset Requirement
  • $100,000

II. Contact Information

A. Key Contact
  • Ryan Wibberley
B. Main Location
  • 1101 Wootton Parkway
    Suite 980
    Rockville, Maryland, 20852
C. Additional Locations
  • Owings Mills, Maryland
    Washington, District of Columbia
D. Telephone
  • 301.816.4683

III. Internet

A. Visit Website
B. Social Connections

IV. Firm(s)

A. Name of Firm
  • CIC Wealth
B. Relationship to Firm
  • Owner
C. Name of RIA
  • CIC Wealth
D. Name of Broker/Dealer
  • None
E. Name(s) of Custodian(s)
  • Charles Schwab

V. Credentials

A. Years of Financial Experience
  • 23 Years
B. College, Degrees, Years
  • Towson University - BS, 4 years
  • University of Pennsylvania, Wharton School of Business - Wharton Fellow
C. Current Certifications
D. Financial Industry Associations (Active Memberships)
  • Financial Services Institute
  • Center for Fiduciary Studies

VI. Registration, Licensing,
Compliance

A. RIA/IAR Registration
  • RIA
B. Type of RIA Registration
  • SEC
C. Industry Licenses
  • Securities License(s)
  • Insurance License(s)
D. Registration & License Numbers
  • CRD: 2370778
  • IARD: None
  • Insurance: 3025960
E. State Licences
  • Investment Products for Commission: Not Applicable
  • Insurance Products for Commission: See List
    • District of Columbia
    • Maryland
    • Texas
    • Virginia
F. Compliance Record (Investment)
  • No Disclosures
G. Compliance Record (Insurance)
  • No Disclosures
H. Criminal Disclosure(s)
  • None
I. Additional Disclosure(s)
  • None
J. View our ADV(s)
K. Links

VII. Business Data & Practices

A. Business Philosophy
  • Read Business Philosophy

    CIC Wealth takes a holistic approach to financial planning, we are independent, we hold ourselves out as your fiduciary, we limit the number of new clients so we can provide top quality personalized service, we are proactive, we are disciplined in our value investing approach, we are experienced: our advisors bring to the table an average 18+ years of industry experience, we are dedicated to our clients with relationships that extend for decades and across generations, we are respected by our colleagues in the business, as well as the financial media, writing frequently on topics that cover stocks and finance for the Wall Street Journal, Forbes and a myriad of other financial publications.

B. Minimum Asset Requirement
  • $100,000
C. Number of Current Clients
  • 600
D. Assets (Management, Advisement)
  • $400,000,000
E. Methods of Compensation
  • Hourly Fee
  • Fixed Fee
  • Asset-Based Fee
  • Commissions (Investment Products)
  • Commissions (Insurance Products)
F. Methods of Communication
  • Face-to-Face Meetings
  • Telephone
  • Email
  • Skype/Video-Voice
  • Other:
G. Types of Reports (Frequency)
  • Performance (Monthly)
  • Brokerage Statement (Monthly)
  • Market Environment (Quarterly)
  • Newsletters (Monthly)
H. Second Language(s)
  • None
I. Value Statement
  • View Value Statement
    Most investment advisors incorporate a single asset allocation strategy for all clients. This strategy is based upon the work of world renowned economist, Harry Markowitz. We typically use this strategy solely for clients who are in the accumulation phase of their lives. For those clients who are retired and need income, we often use a different strategy. This strategy is designed to meet the client's income needs and address the client's concerns about market volatility. We often hear from clients that they want their portfolio managed with individual stocks and bonds and not just mutual funds. Those clients like to understand what they own, and want more control over their tax situation. We will use mutual funds where appropriate, but we also offer portfolios that are managed in-house, where we utilize individual stocks and bonds. We feel that this provides our clients with more transparency, lower costs and better control over taxation.

VIII. Clients & Services

A. Types of Clients
  • Individuals & Couples (Working)
  • Individuals & Couples (Retired)
  • Business Pension Plans
  • Business (Taxable)
  • Endowments & Foundations
B. Types of Financial Services
  • Planning Advice & Services
  • Investment Advice & Services
  • Insurance Products
  • Other
  • Investment Products (Commission)
C. Discretionary Asset Management
  • Discretionary and Non-Discretionary
D. Limited Engagement Services
  • Planning Only
  • Financial Plan Reviews
  • Investment Portfolio Reviews

IX. Certification

Advisor Name
  • Ryan Wibberley
Most Recent Update:
  • Feb 12, 2019

BASIC INFORMATION NEEDED FOR THE INQUIRY

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