20 Trafalgar Square, Suite 440
Nashua, NH 03063



101 State Farm Place, Suite 103
Malta, NY 12020
(518) 373-7300


1290 Avenue of the Americas, 4th Floor
New York, NY 10104
(212) 408-9000



126 College Street, Suite 350
Burlington, VT 05401

(518) 373-7323

Ralph Willner Giwerc began his financial career in 1994, focusing on investment, insurance, and retirement planning. He is a Cornell University graduate who received his ChFC® designation in 1998 and his RICP® (Retirement Income Certified Professional®) designation in 2019. He has been with Sequoia Financial Group since 2011.

He has been a member of The National Association of Insurance and Financial Advisors since 1995 and The Society of Financial Service Providers since 1999. Ralph lives in Saratoga Springs, NY with his wife Gail and they enjoy spending time with their three children in Boston, New York City, and Chicago.



  • Listening to my clients
  • Being objective and open
  • Providing professional service and advice with integrity



  • I have run the Boston Marathon.
  • I Love the Jersey Shore!
  • I am a big New York Giants and New York Mets Fan.

For more information on working with a CERTIFIED FINANCIAL PLANNER™, please visit the links below.

Sequoia and its financial professionals do not provide tax or legal advice. Clients are reminded to seek counsel from their personal advisors regarding their specific circumstances.

CFP® and CERTIFIED FINANCIAL PLANNERTM are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

The RICP® (Retirement Income Certified Professional®) designation is sought by financial services sales professionals whose focus includes clients planning for their retirement income. The designation’s required curriculum is administered by The American College in Bryn Mawr, PA, which is accredited by The Middle States Commission on Higher Education, Philadelphia, PA 19104. The mark RICP® is the property of The American College and may be used only by individuals who have successfully completed the initial and ongoing certification requirements for this designation. Complaints about a designee can be made by e-mail at [email protected]. or by calling 888-263-7265. To verify a designee, visit

The Retirement Planning Specialist title is awarded by Equitable Advisors, based upon the FP’s receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. In a collaboration between the Wharton School and Equitable Advisors’ affiliate, Equitable Financial Life Insurance Company (NY, NY), coursework for the certificate was developed exclusively for Equitable Advisors FPs, and the title may be used only by FPs who have completed the required coursework and maintain the title through ongoing continuing education requirements. To verify that an FP has earned and holds the title in good standing, contact Equitable [email protected]. Complaints about an Equitable Advisors FP should be directed to [email protected].

To verify that an FP has earned and holds the title in good standing, contact Equitable [email protected]. Complaints about an Equitable Advisors FP should be directed to [email protected]