CIC Wealth Management Group

Ryan B. Wibberley, AIF^®, CLTC

Ryan Wibberley founded the firm in 1999 and has worked extensively in the field of financial management since 1993.

Ryan has been honored as one of Bloomberg's Wealth Manager's Magazine Top Miracle Growers and is a well-known expert in the matters affecting retirees and pre-retirees. He has been invited to speak to the employees of several Fortune 500 companies, U.S. Government Agencies and Local Government Agencies in the District of Columbia, Maryland and Virginia. He appears regularly in the Washington Post and other national publications.

Ryan graduated from Towson University in Baltimore, Maryland with a Bachelor of Science degree in Economics. He has earned the Accredited Investment Fiduciary^® professional designation, awarded by the Center for Fiduciary Studies, which is associated with the Joseph M. Katz Graduate School of Business, at the University of Pittsburgh. He holds FINRA Series 7, 63, 65 and 24 securities registrations as a Registered Representative and Investment Adviser Representative of Commonwealth Financial Network. He has been an active member of the Financial Planning Association since 2004 and a member of the Financial Services Institute since 2006.

Ryan lives in North Potomac, Maryland with his wife and two daughters. He enjoys playing tennis, surfing and spending time with family and friends.

Michael B. Fein, AIF^®, CLTC

As the managing partner of the Owings Mills office of CIC Wealth Management Group, Michael is focused on helping you pursue your investment related goals. He and his associates work directly with you to develop a financial road map/financial blueprint, while taking time to truly understand your goals and dreams. Behind the scenes, our team will work diligently, in a constant effort, to ensure your portfolio keeps up with your goals. By using our “Advance & Protect” portfolio management philosophy, we have, and continue to address a “sell discipline” strategy using our proprietary methodology. Our research includes Fundamental, Qualitative, Quantitative, and Technical Analysis with the emphasis on a “sell discipline.”

Michael was formerly an advisor with Harvest Investment Consultants, where he was responsible for managing personal portfolios and retirement plans individually valued in excess of $30 million dollars. In 2002, Michael joined CIC, and since that time, the firm has been recognized nationally and has also been featured in several local publications. Michael has been invited to speak by representatives of Fortune 500 companies and independent investment and trade organizations all over the area. He has been quoted in local, regional, and national publications.

Michael earned his BS degree in Economics & Finance from Towson University. While there on scholarship as a Division 1 tennis player, over consecutive years he was the recipient of the distinct honor of Scholar Athlete, as well as Most Valuable Player.

In January 2006, Michael earned the professional designation of Accredited Investment Fiduciary^® awarded by the Center of Fiduciary Studies, which is associated with the Joseph M. Katz Graduate School, University of Pittsburgh. Michael has recently earned the accreditation of Certified Fund Specialist (CFS), the oldest mutual fund designation in the country. Michael is currently enrolled in the American College 3-year program for the Chartered Financial Consultant (CHFC). He holds FINRA Series 7 and 66 securities registrations as a Registered Representative and Investment Adviser Representative of Commonwealth Financial Network^®, as well as insurance licenses for Life, Disability, Health, and Long-Term Care in Maryland, Pennsylvania, and New Jersey. Michael is also a member of the Financial Planning Association and the Center of Fiduciary Studies.

Born and raised in the New York/New Jersey area, Michael has called Maryland home since 1990. He resides in Reisterstown, Maryland, with his wife and their three children.

Satish B. Survanshi, CFP^®

As Managing Director - Wealth Management at CIC Wealth Management, Mr. Survanshi specializes in working with individuals and businesses to develop and implement comprehensive investment programs and retirement plans. He joined CIC Wealth in 2010 as a Registered Representative of Commonwealth Financial Network. He successfully completed the comprehensive financial planning course from the College of Financial Planning in 1984 and received the certification of CERTIFIED FINANCIAL PLANNER™, which he has continuously maintained since then. In addition, he completed the Advanced Retirement Planning course from the College for Financial Planning.

Prior to joining CIC Wealth, he was Vice President - Wealth Management at Morgan Stanley Smith Barney in Washington, DC. Prior to Morgan Stanley Smith Barney he was a Senior Associate with Booz, Allen & Hamilton, where he directed government and industry projects involving various technical, regulatory and financial issues.

Mr. Survanshi received his M.S. in Mechanical Engineering from Massachusetts Institute of Technology in 1971, where he also completed courses in finance from the Sloan School of Management. He is a 1969 graduate of Pune University.

Mr. Survanshi and his wife Shalini are proud parents of two children and have a brand new grandson. Mr. Survanshi has served on the boards of many community organizations including the MIT Alumni Association of Washington, D.C., the National Association of Americans of Asian Indian Descent (NAAAID), the India Cultural Coordination Committee, and Marathi Kala Mandal. He is a frequent speaker on financial and investment topics. He loves hiking, tennis, golf and skiing.

Timothy Schoeffler, CFP^®, AIF^®

Tim joined CIC Wealth Management Group in March 2010. He has more than 30 years of financial planning and investment management experience, and works out of our Gaithersburg office. As a Financial Planner, Tim helps people understand financial principles that affect their personal lives. This includes savings, investing, spending wisely, using credit wisely and giving back to causes that they value. As an Investment Advisor Representative of Commonwealth, Tim helps people by managing their investments to generate income (if they are retired), to grow (if they are still working), or to give to charity and family (if they are so inclined).

Tim began his career in 1979 at Merrill Lynch in New York City, where he was an equity research specialist. He joined EF Hutton in 1982 as national product director, for Hutton's mutual fund group. In 1988 he joined Oppenheimer Funds as the Mid-Atlantic's regional vice president, covering Maryland, Washington DC, Virginia and West Virginia. His role was to educate financial advisors on Oppenheimer's products and services.

After 12 years with Oppenheimer, he joined GE Financial, subsequently known as Genworth, where he specialized in developing retirement income plans for clients. He subsequently worked for several years at Allianz, positioning the company's retirement income strategies. In 2007, he joined Curian Capital, a registered investment advisor, based in Denver which is a subsidiary of Jackson National Life Insurance Company.

Tim has been registered as a Series 7 General Securities Representative since 1979 and also has his Series 63 (Uniform Securities Agent) and Series 65 (Investment Advisor agent) registrations currently with Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.

He is a CERTIFIED FINANCIAL PLANNER^™professional and a graduate of Georgetown University's Executive Certification in Financial Planning Program. He also has earned the ACCREDITED INVESTMENT FIDUCIARY^® designation. From 1992-94, he attended the University of Pennsylvania Wharton School's Securities Industry institute.

Tim graduated from Colgate University in Hamilton, New York with a BA in History. He is a past president of Colgate's Washington DC President's Club. He also attended Tulane University in New Orleans and he graduated high school from Deerfield Academy in Deerfield, Massachusetts.

Tim has lived in the Washington DC area for 26 years and has renovated four historical homes. He currently lives in his most recent project in DuPont Circle. In his spare time, Tim enjoys travelling, skiing and reading, especially in the areas of history and politics.

Frank Cappadora, Jr., AIF^®, CRPC^®

Frank, Associate Partner and Vice President of Portfolio Management/Operations for CIC Wealth Management Group is responsible for investment research and analysis as well as client portfolio designs. In addition, Frank coordinates all 401(k) employee enrollment meetings and plan participant communications.

As a former employee of Harvest Investment Consultants, LLC, Frank managed financial portfolios as an Investment Advisor and a Retirement Planning Specialist. Prior to this, Frank was employed with VALIC, an American General Company where he began as an Analyst and later became a Retirement Planning Specialist working primarily with high net worth clients nearing or already enjoying retirement.

Frank earned a Bachelor of Science degree in Business with a concentration in Finance from Towson University. He has earned the Accredited Investment Fiduciary^® professional designation, awarded by the Center of Fiduciary Studies, which is associated with the University of Pittsburgh. He has received formal training in investment fiduciary responsibility. He is a Chartered Retirement Planning Counselor having earned the CRPC^® professional designation. Frank holds FINRA Series 7, 63 and 65 securities registrations as a Registered Representative and Investment Adviser Representative of Commonwealth Financial Network. He also holds Maryland Life and Health Insurance licenses.

Frank, a resident of Carroll County, Maryland for the past 30 years resides with his wife and daughter. He is an active member of his church and community and enjoys coaching his daughter's soccer and softball teams in his spare time.

Jaimee Wibberley
Director of Client Events

Jaimee joined our firm in the fall of 2007 after taking time off to raise her two children. She is responsible for coordinating and planning all client events, and helping the team deliver extraordinary client service.

Jaimee graduated from Indiana University with a BS in Communications and a focus on television production. She began her career as a technician at C-SPAN in Washington, DC, and quickly moved over to the assignment desk. As the Logistical Supervisor, Jaimee was responsible for organizing coverage of all political events outside the Washington, DC area. These included international events as well as the Democratic and Republican Presidential Conventions.

Jaimee now lives in North Potomac with her husband, Ryan and their two daughters. She is the President of the Parents Committee at her younger daughter's school. She enjoys working out, traveling and spending time with her family.

Deborah Kruse
Office Assistant

Deb joined the Owings Mills office of CIC Wealth Management Group as Office Assistant in April 2009. Deb is responsible for all administrative functions and internal procedures. She manages the paperwork process, helps with compliance issues and document integrity, and coordinates special events and client meetings.

Deb graduated from George Mason University with a Bachelor of Science degree in Social Work. She has a variety of experience in customer service and administration in both the public and private sectors. She has spent the majority of the past 14 years taking time off to raise her two children.

Deb is a native of the Washington, D.C./Northern Virginia area. She now resides in Howard County with her husband and two children. In her spare time she enjoys the outdoors with family and friends.

Stacey Smith
Director of Marketing and Business Development

Stacey joined the Owing Mills office of CIC Wealth Management in April of 2011 as the Director of Marketing and Business Development. She is responsible for developing and implementing proactive client enhancement programs, which includes the coordination of educational programs and social events for both current and prospective clients. This includes managing and organizing client appreciation events, client experiences, life event gifts, and giving back events for our clients and the community. In addition, she works closely with the principals of CIC Wealth to create promotional workshops designed to keep our clients informed about the current financial environment.

Stacey graduated from Towson University in Baltimore, Maryland with a Bachelor of Science degree in Psychology. Shortly after graduating she began her career in the human resources field where she demonstrated her creative, solutions-oriented leadership in all aspects of her positions. Stacey was born and raised in a small town in Maine. She relocated to Maryland when she was 19 and now resides in Rockville, Maryland. In her free time she enjoys the beach; reading, exercising, and spending time with friends and family.

Our partnership with Commonwealth Financial Network^®, a leading independent broker/dealer, provides us access to a team of investment research specialists at Commonwealth who assist us in our efforts to provide you with the best possible service. Each of the professionals on this team brings a breadth of experience in the industry and within their own specialization. You can learn more about this team below.

Our partnership with Commonwealth Financial Network^®, a leading independent broker/dealer, provides us access to a team of Advanced Planning specialists at Commonwealth who assist us in our efforts to provide you with the best possible service. You can learn more about this team below.