Ralph Willner Giwerc began his financial planning career in 1994, focusing on investment, insurance and retirement planning. He is a Cornell University graduate who received his ChFC® designation in 1998. 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 and New York City.
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 Registrar@TheAmericanCollege.edu. or by calling 888-263-7265. To verify a designee, visit http://www.designationcheck.com.