Ryan Wibberley


Ryan Wibberley is the CEO of CIC Wealth, which he founded in 1999. CIC has become one of the regions leading wealth management firms, providing investors with independent, unbiased advice while offering complete transparency.

Recognized as a leader in the wealth management industry, Ryan is a regular contributor in Forbes and The Wall Street Journal’s MarketWatch. Ryan appears regularly in national publications that include The Wall Street Journal, Barron’s, Reuters, and The Washington Post, as well as maintaining a strong voice within his industry in financial advisory focused publications. Ryan previously served his clients as a Financial Advisor at Legg Mason in Washington, DC where he offered financial planning and investment services. From 1993-1994 he worked with Merrill Lynch as a licensed registered representative in the Tyson’s Corner, VA office.

Ryan earned a Bachelor’s degree from Towson University in Baltimore, MD. He is also currently a Fellow at the Wharton School of Business, University of Pennsylvania. He holds the Accredited Investment Fiduciary (AIF®) designation and the Certified in Long-Term Care (CLTC) designation. Ryan is an active member of the Financial Services Institute in Washington, DC.

Ryan enjoys spending time with his wife and two daughters. He embodies the active lifestyle, and enjoys surfing, running, snowboarding and playing tennis.

Michael Fein


Michael is the President of CIC Wealth. A believer in financial roadmaps, Michael has made it a personal mission to not only understand a client’s finances, but also his/her goals, dreams and lifestyle choices. Michael was formerly an advisor with Harvest Investment Consultants where he managed personal portfolios and retirement plans individually valued in excess of $35-million dollars.

An active speaker on all topics related to finance, Michael is often called upon to speak to Fortune 500 companies, independent investment and trade organizations throughout the Mid-Atlantic region. A resource to financial reporters, Michael’s theories are often quoted in local, regional and national publications. Michael earned the professional designation of Accredited Investment Fiduciary® (AIF), awarded by the Center of Fiduciary Studies, Joseph M. Katz Graduate School, University of Pittsburgh. Michael also holds the Certified Fund Specialist (CFS) accreditation and the Certified Long Term Care (CLTC) designation. Currently Michael is working on earning his Chartered Financial Consultant (CHFC) designation. Michael is also a member of the Financial Planning Association and the Center of Fiduciary Studies.

On an athletic scholarship as a Division 1 tennis player, Michael earned his BS degree in Economics & Finance from Towson University. Michael received the distinct honor of Scholar Athlete and Most Valuable Player in his junior & senior years. Born and raised in the New York/New Jersey area, Michael has called Maryland home since 1990. He lives in Reisterstown, Maryland, with his wife and three children.

Andrew Goodman

Andrew Goodman

Andrew is the Chief Investment Officer for CIC Wealth. Andrew has over twenty eight years’ experience in the wealth management industry focusing on value investing. Andrew is also the Chairman and Co-Founder of the sports agency Play It Coy®, based in Washington, D.C. and Atlanta, GA. Previously, Andrew was a Principal and the Director of Equity Investing for YellowWood Financial Advisors and the Founder and President of Falcon Capital Management, Inc.

As a former contributor to Forbes Magazine, Andrew has written numerous articles exploring undervalued stocks and identifying companies that have durable competitive advantage and high returns on invested capital. He has also written about personal finance for professional athletes, often applying similar strategies to help improve life after sports. In addition, he has investigated cases and brought to light several Ponzi schemes and scams involving professional athletes that suffered investment losses. Andrew appears regularly in media outlets including The Wall Street Journal, Fox Business, MoneyLife, Barron’s, Reuters, Investor’s Business Daily, Yahoo Finance, Private Asset Management Magazine, Financial Planning Magazine and On Wall Street.

Andrew graduated with honors from Indiana University with a Bachelor of Arts degree in 1988 and received his Master of Business Administration degree in Finance and Investments from The George Washington University in 1990. He is also a current Fellow at the Wharton School of Business, University of Pennsylvania. Andrew been married for 29 years to his high school sweetheart, Lisa and they have four children.

Frank Cappadora


Frank is the Managing Director of CIC Wealth. He is responsible for client portfolio designs and also coordinates 401(k) employee enrollment meetings and plan participant communications.

Formerly with Harvest Investment Consultants, LLC and VALIC, an American General Company, Frank managed financial portfolios as an Investment Advisor and a Retirement Planning Specialist working with high net worth clients nearing or already enjoying retirement.

Frank has received formal training in investment fiduciary responsibility, has earned the CRPC® professional designation (Chartered Retirement Planning Counselor) as well as the professional designation of Accredited Investment Fiduciary® (AIF), awarded by the Center of Fiduciary Studies, Joseph M. Katz Graduate School, University of Pittsburgh. Frank graduated from Towson University with a Bachelor of Science degree in Business and a concentration in Finance.

As a resident of Maryland for the past 30 years, Frank lives in Carroll County with his wife and daughter. He is an active member of his church and community and enjoys coaching his daughter’s travel fast-pitch softball team in his spare time.

Satish Survanshi


As Senior Executive Vice-President of CIC Wealth, Satish Survanshi works with individuals and businesses to help develop and implement comprehensive investment programs and retirement plans. Formerly a Vice-President at Morgan Stanley in Washington, D.C., Satish also holds the CFP® (CERTIFIED FINANCIAL PLANNER™) certification.

Prior to his work with Morgan Stanley, Satish was a Senior Associate with Booz, Allen & Hamilton, where he directed projects related to the technical, regulatory and financial issues of government and industry.

In addition to a Bachelor’s degree in Mechanical Engineering from the University of Pune, Satish also holds an M.S. in Mechanical Engineering from Massachusetts Institute of Technology (MIT), and he completed courses in finance at the Sloan School of Management at MIT.

An involved member of the community, Satish has served on the Boards of 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. Satish has two children and two grandchildren. He loves hiking and skiing.

Yuchao Li


Yuchao is the Director of Global Investing for CIC Wealth. Yuchao has a diverse background in accounting, finance, management and entrepreneurship. Previously, Yuchao was the Director of the M&A Department in DIT Corp. in China. Yuchao was also the co-founder and CEO of Yilian Logistics Ltd. in China.

Yuchao graduated with honors from Hunan University with a Bachelor of Science degree in Accounting in 2012. She earned a dual degree of Master of Science in Finance and Master of Business Administration in Finance from Boston College in 2017. Yuchao is a Chartered Financial Analyst (CFA) Level III candidate and is also a Chartered Certified Accountant (ACCA), which is the international version of the CPA. Currently, Yuchao is in the process of getting her CPA certification.

Yuchao enjoys time with her family and friends and is an avid hiker and traveler. She enjoys discovering new cultures, cuisines and locales which stimulate her hobbies of photography and painting. Yuchao is also a fan of scuba diving.

Andy Smith

Andy S

Andy is the Director of Advanced Planning for CIC Wealth. He has expertise in devising advanced planning solutions for business owners. His main areas of focus include financial and estate analysis, business succession planning, as well as the detailed analysis and design of retirement and pension plans. Prior to CIC Wealth, Andy was a Financial Advisor with First Financial Group, a financial planning firm located in Hunt Valley, Maryland.

Andy has a Bachelor of Science degree in Finance from the University of Baltimore.

Andy enjoys spending time with his wife and 3 children. He is very interested in nutrition and fitness and in leading a healthy lifestyle. He enjoys running, cycling, weight lifting, sports, film, and travel.

Rich Sebastian


Richard is the Vice President of Financial Planning for CIC Wealth. Richard is a CERTIFIED FINANCIAL PLANNER professional and he works directly with clients to understand their investment portfolios, as well as, their long-term financial and family goals. He has extensive experience in counseling high net worth individuals in all areas of financial planning.

Richard received his Bachelor of Science degree in Business Administration with a concentration in Legal Studies from Towson University College of Business & Economics.

Richard originally hails from Berlin, Maryland where he learned how to golf from his Father and surf from his two older brothers, two activities he still enjoys today.

Jaimee Wibberley


Jaimee is the Client Relations Manager at CIC Wealth. 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 enjoys working out, traveling and spending time with her family.

Deborah Kruse


Deb joined the Owings Mills office of CIC Wealth as Office Manager 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..

Amanda Hoy


Amanda is the Client Services Administrator at CIC Wealth and is responsible for providing clients with tailored customer service experience. In addition, Amanda assists with the creation of financial planning projections and historical investment performance reports for clients.

Amanda graduated from James Madison University in 2012 with a Bachelor of Science degree in Anthropology. She continued her education with the College for Financial Planning, and earned the Financial Paraplanner Qualified Professional™ designation.

Amanda was born and raised in Montgomery County, MD. She is involved with P.E.O., a women’s philanthropic organization, and enjoys working out, spending time with her family and friends, and going to the beach.

Heather Betz


Heather Betz is a Baltimore native and has over 20 years of experience as a legal assistant. In her new role as Client Service Administrator, Heather will be responsible for managing administrative functions and internal processes. She and her husband enjoy spending most weekends taking their two sons to and from sporting events. Heather prides herself on her organizational skills and time management, as an administrator and mother.

Risa Berman


Risa joined the CIC Wealth Owings Mills office in August, 2016. She is the initial contact both in person and on the phone as our clients come into or call the office.
She helps them feel very accepted and welcomed prior to meeting with a financial planner.

Risa earned a Bachelor of Arts degree in Communications with a minor in accounting and business from West Chester University. She has over 20 years of experience in accounting, bookkeeping and office management. Originally from Philadelphia, she now resides in Pikesville and enjoys spending time with her husband and son.