ADVISOR BIO

Rial Barnett is a financial advisor currently registered with Merrill Lynch, Pierce, Fenner & Smith Inc. Barnett has been in the financial services industry since 1989. Barnett has passed the Series 4, Series 7, Series 24, Series 31, Series 63, and Series 65 exams and holds registrations in 53 states and jurisdictions. Previously, Barnett worked at Morgan Stanley & Co. Incorporated, Morgan Stanley DW Inc., J.P. Morgan Securities Inc., Hambrecht & Quist LLC, and Cruttenden Roth Incorporated. Barnett's specializations include Portfolio Management for Individuals, Portfolio Management for Businesses, and Selection of Other Advisers.

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ADVISOR BIO

Richard Ginel is an Investment Advisor Representative with Sageview Advisory Group, LLC. Richard has been in the industry since 2006 and holds the Series 66, Series 7, and SIE licenses. Richard has been associated with Sageview Advisory Group, LLC since 2013. Richard also worked at Cetera Advisor Networks LLC and USI Securities, Inc. in the past. Richard specializes in financial planning, pension consulting, educational seminars, portfolio management for individuals and businesses, and selection of other advisors.

SPECIALIZATIONS

ADVISOR BIO

Richard McCloskey is a financial professional with over 50 years of experience in the financial services industry. Richard is registered as a broker-dealer and investment advisor representative with Cetera Investment Advisers LLC. Richard has previously worked with Securian Financial Services, Inc., Worthmark Financial Services, LLC, Consolidated Resources, Inc., The Minnesota Mutual Life Insurance Company, IRG Securities, Inc., Integrated Resources Equity Corporation and North Star Equities Company. Richard holds the following licenses and designations: Series 7TO, SIE, Series 1, Series 63, Series 24 and Chartered Financial Consultant. Richard has an active A-G registration in California and is an active investment advisor representative in Texas. Richard currently works in the Newport Beach office of Cetera Investment Advisers LLC.

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ADVISOR BIO

Richard Newman is a financial advisor with over 30 years of experience in the industry. Richard is currently registered with Morgan Stanley in Newport Beach, California. Richard has previously worked at a number of other firms, including Citigroup Global Markets Inc., Prudential Securities Incorporated, and Oppenheimer & Co., Inc.

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ADVISOR BIO

Richard Gilliland is a financial advisor with Western International Securities, Inc. Richard has been in the securities industry since 1984. Richard is registered to provide investment advice in Arizona, California, and Idaho. Richard holds the Series 7, Series 24, Series 63, and Series 65 licenses. Richard also holds the Certified Financial Planner designation.

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ADVISOR BIO

Richard Sean Barry is a financial advisor with over 25 years of experience in the industry. Richard is currently registered with The Ayco Company, LP and holds a Series 7, 63, 52TO and 3 license as well as the SIE exam. Richard is also a Registered Investment Advisor and is registered in Texas and California. Previously, Richard was with Mercer Allied Company, LP, a subsidiary of Marsh & McLennan Companies. Richard's experience, coupled with the resources of The Ayco Company, LP, allows Richard to offer comprehensive financial planning services to individuals, families, and businesses.

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ADVISOR BIO

Richard Dougherty is a financial advisor with over 29 years of experience in the industry. He has held previous roles with Oppenheimer & Co. Inc., TD Ameritrade, Inc., Wachovia Securities Financial Network, LLC, Prudential Securities Incorporated, and Fahnestock & Co., Inc. He is currently registered with LPL Financial LLC, and has been with the firm since August 2021. Richard is licensed to provide investment advice in California, New Jersey, and New York.

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ADVISOR BIO

Richard Anthony Schiendler is a financial advisor with over 39 years of experience in the industry. Richard is currently registered with Cetera Investment Advisers LLC in Newport Beach, California. Richard previously worked at Securian Financial Services, Inc., Worthmark Financial Services, LLC, Manequity, Inc., Intersecurities, Inc., Federation For Financial Independence, Integrated Resources Equity Corporation, and Manequity, Inc. Richard holds a Series 63 license and Series 6, 7, and 24 principal exams. Richard is a Chartered Financial Consultant. Richard's client base includes high-net-worth individuals, charitable organizations, pension and profit-sharing plans, corporations or other businesses, individuals other than high-net-worth, and state or municipal government entities.

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ADVISOR BIO

Richard Andrew Smyth is a financial advisor registered with Aionios Capital Partners, LLC. Richard has over 30 years of experience in the financial industry. Richard currently works as an adjunct professor teaching investment analysis, portfolio management, and derivatives. Richard also provides financial planning, family office services, and selection of other advisors for individual clients.

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ADVISOR BIO

Richard Umbarger is a financial advisor with over 24 years of experience in the financial industry. Richard is currently registered with Raymond James & Associates, Inc. and has previously worked with WELLS FARGO CLEARING SERVICES, LLC and CITIGROUP GLOBAL MARKETS INC.. Richard has a broad range of experience, including financial planning, portfolio management for individuals and businesses, and pension consulting. Richard offers a variety of services including securities and investment advisory services, and is registered in multiple states. Richard Umbarger has a strong track record of success in helping clients achieve their financial goals.

SPECIALIZATIONS