Integrity Wealth Advisory
Raymond Sardiña leads Integrity Wealth Advisory of Janney Montgomery Scott, whose aim is to provide committed, dedicated, and ethical service for their clients. Ray, alongside Susan Rutrough, started Integrity Wealth Advisory with that goal in mind, doing the right thing instead of the easy thing, and holding fast to their values.
Ray, who started in the business as a “one-man band,” continues to work closely with clients from all walks of life in his capacity as an experienced, bilingual financial advisor. His work includes guiding clients’ individual investments, custom-tailored managed portfolios, retirement plans and trust services. With his experience and ability to help clients identify and pursue their goals, he aims to exceed their expectations at every moment.
He works with a select set of individual clients and families and looks to connect with those who understand and respect the tenets of ethical, prudent wealth management. Ray recognizes that while degrees and professional designations bring value, nothing exceeds the value of hard-earned trustworthiness.
Care is another undervalued trait, but it makes all the difference in this business that is about his clients’ families, futures, goals and dreams. Ray believes that unless you care about clients’ lives, you cannot be an effective financial advisor.
At the age of 19, Ray took his first position in financial services as a client service associate with Morgan Stanley. While working, he earned a bachelor’s degree in business administration from Florida International University.
By 2007, Ray was ready to roll up his sleeves and start out on his own as a financial advisor at Raymond James. As he was working to build his new business, Ray was also completing a law degree, earning his Juris Doctor in 2008 from Florida International University.
Ray holds his Series 7 and 66 licenses as well as life, health and variable annuity insurance licenses. His education continues as he pursues an MBA from the University of Miami.
Ray takes an active role in important community organizations and is a dedicated Kiwanian. He is a member of the Kiwanis Club of Little Havana, where he was named Rookie of the Year in 2011 and continues to serve as the chairman of Cork & Fork. He also serves on the organization’s charitable foundation as a board member and as chairman of its “back to school” project.
He is an active church member at St. Brendan Catholic Church and has participated in its initiatives and ministries, including the Archdiocese of Miami’s “Back to School” program, as an Emmaus Ministry men’s retreat leader, and as a board member and former vice president of the St. Brendan Athletic Association.
Ray also participates in the local business community and is a past president of the Energy chapter of Business Networking International.
One may not expect it from someone born and raised in Miami, but Ray is an expert skier and has tackled double black diamond slopes and out-of-bounds terrain. He and his wife, Jennifer Sardiña, have imparted a love of the outdoors on their five children – Jordan, Amanda, Allison, Dylan and Ethan – and Ray participates in their sporting events as a coach and a fan. In quieter moments, he enjoys playing dominoes, board games, and the company of his goldendoodle, Max.
Susan Rutrough, as a founding member of Integrity Wealth Advisory of Janney Montgomery Scott, is focused on her clients’ goals, aiming to make a profound difference in their lives by helping them pursue their lifelong dreams. She works with clients at all stages in their lives, including transitioning retirees, up-and-coming professionals and families who are eager to manage and preserve their wealth for future generations.
Through her integrity, consistency and competence, Susan earns the trust of her clients who know they will receive advice specifically for their lives and circumstances. Helping people has always been her passion, and her role as a financial advisor allows her that honor. This means becoming a true partner with her clients by listening deeply and understanding their needs, by knowing how to adjust their goals to life changes and directing them toward their objectives.
Susan has more than 30 years of experience in financial services. She holds Series 7, 63 and 65 licenses, and is licensed to advise clients on life, health insurance and variable annuities. She is a graduate of the University of Miami.
Susan, is a native Miamian, enjoys teaching yoga, growing orchids and snorkeling.
She also dedicates her time serving on the Big Brothers Big Sisters of Miami Board of Directors, the Chapman Partnership’s “Take a Walk in Her Shoes” event, the Vizcaya Museum’s gala committee and as a Coral Gables Chamber of Commerce trustee and member of BNI Business Leaders.
She is married to Dennis Francis Sierra and has two children, Salome Breziner and Nicole Renee Reid.
We collaborate with other Janney specialists, as needed, who have in-depth experience in specific disciplines. Together, we can assess your unique situation, analyze difference strategies, and develop a plan fit for your unique needs and goals.
Debra S. Roey joined Janney Montgomery Scott LLC in November 2006, as Janney Retirement Plan Services (JRPS) Manager. JRPS was founded in 1982 to provide Janney’s Corporate Retirement Plan Clients with support in plan design analysis, proposal procurement and review, investment fiduciary services, technical expertise, and problem resolution.
Debra has over 30 years of experience in the Retirement Plan arena. Prior to joining Janney, she served as Regional Director with Union Central Life Retirement and Investment Services. During her tenure, she received numerous sales awards including qualification for the company’s highest society membership. She also served on several corporate committees involved with Strategic Planning and Product Development.
Debra earned a B.A. in Business Administration from Rutgers University.
Ed advises Janney clients and their families through their unique investment journeys by providing advanced estate planning, wealth transfer, and income tax planning strategies. In addition, Ed develops tailored financial planning for high-net-worth clients by reviewing their complex needs and goals to help ensure their legacy benefits the heirs and charities they care about the most.
Ed has a diverse financial background with over three decades of varied experience including serving as a principal for a national public accounting firm, trust counsel for major financial institutions, and as a practicing trusts and estates lawyer. He has extensive experience in estate, fiduciary, and individual income tax planning for ultra-high net worth clients. He also has significant experience with asset protection planning, closely held business owners, and entity structuring.
Ed was previously a practicing tax and estate planning lawyer in Connecticut and Florida and has been a frequent speaker at seminars on various tax, financial, and estate planning topics. He previously served on the editorial advisory board for a national estate planning publication, and has been a speaker for the FICPA, regional and national ABA conferences, and the Florida Attorney/Trust Officer Liaison Conference, among others.
Ed received his J.D. from Quinnipiac University and his B.B.A. in Accounting from St. Bonaventure University. His professional affiliations include East Coast Estate Planning Council; The Florida Bar, Member RPPTL Section; New York State Bar Association; Connecticut State Bar Association; Boca Raton Estate Planning Council, Board Member; South Palm Beach County Bar Association; and United States Tax Court. He has served, or is serving, on the board of directors or committees for various community organizations including America Red Cross; Boca Raton Historical Society; Boca Raton Museum of Art; Greater Boca Raton Chamber of Commerce; Humane Society of Broward County; Leaders in Furthering Education; Leukemia and Lymphoma Society; and State of Israel Bonds Corporation.
Guy LeBas is Janney’s Chief Fixed Income Strategist, as well as Head of Fixed Income for Janney Capital Management. As Strategist, he is responsible for providing direction to the Firm’s clients on the macroeconomic, interest rate, and bond market investing climate.
Guy authors bond market periodicals, which provide relative value recommendations across the fixed income spectrum. With Janney Capital Management, Guy is responsible for overseeing the Firm’s discretionarily managed bond portfolios, which take a client-tailored approach to generating consistent income across interest rate environments.
Guy joined Janney in 2006. Prior to joining Janney, Guy served as Interest Rate Risk Manager for U.S. Trust’s bank asset and liability portfolios, a role in which he oversaw risk and return on $20 billion of bank assets and derivatives.
Guy is also a frequent guest on CNBC, Bloomberg TV and Fox Business News, as well as a regular speaker at financial industry conferences. He received his education from Swarthmore College, holds an M.S. in Applied Economics from Johns Hopkins University, and is a CFA Charterholder.
Mark Luschini is the Chief Investment Strategist for Janney Montgomery Scott LLC, leading the Investment Strategy Group. In that capacity Mark is responsible for establishing the Firm’s broad outlook relating to conditions in the capital markets and the economy and to develop investment strategies that align with the best interest, goals, and objectives of individual and institutional clients. He also establishes the Firm’s asset allocation models used for portfolio construction and financial planning.
As Chief Investment Strategist, Mark serves as the Janney's investment spokesperson, offering national market commentary and developing asset allocation models and investment strategies. He chairs the investment committee and actively interfaces with both current and prospective clients.
Additionally, Mark directs Janney Capital Management, the Firm’s discretionary investment management division. Under his leadership, Janney Capital Management has delivered competitive investment results across multiple strategies. The total assets under management has grown to more than $4 billion, with nearly $3 billion in traditional equity and fixed income assets, and over $1 billion in various strategic and tactical asset allocation strategies utilizing exchange-traded solutions and mutual funds. Mark served on the Board of Managers for Janney, and currently serves as a Trustee for the Firm’s Pension & Profit Sharing Plan. He is a member of the Janney Wealth Management Department’s Mutual Fund and Alternative Investment Committees.
In Janney Capital Management, Mark chairs the Investment Committee which sets asset class and sector policy and directly participates in managing the equity, fixed income, and asset allocation strategies under its advisory. Mark has spent more than 30 years in the investment industry. He utilizes that experience to speak on topics related to macroeconomics and investment management at seminars and conferences.
His comments and written articles have been circulated in numerous publications ranging from the Wall Street Journal and Barron’s to the New York Times, USA Today, Financial Times, and Money magazine. He has appeared in various media outlets including CNBC, Bloomberg Television, Fox Business News, and CNN.
He has a BA and MBA from Gannon University and holds the Chartered Market Technician (CMT) designation from the Market Technicians Association
Shurdonna serves as Vice President and the Director of Janney's High Net Worth Consulting Group. She provides comprehensive solutions designed to effectively address complex issues to help high net worth individuals and families, business owners, corporate executives, professional athletes, and others meet their goals and objectives.
Most recently, Shurdonna served as Assistant Vice President & Senior Financial Planner, supporting the advanced financial planning efforts for the Firm's Mid-Atlantic region. She also supported Janney’s clients in achieving their financial goals, provided subject matter expertise, and coached Janney's Financial Advisors and their clients through all aspects of financial planning. Together, they formulate comprehensive financial plans outlining estate, trust, and wealth transfer planning, asset protection, retirement, income tax, and charitable planning strategies.
Shurdonna has more than 15 years of progressive experience in the investment management industry. Previously, Shurdonna was a Financial Advisor in Vanguard Personal Advisor Services®, where she provided investment guidance and financial planning services to clients with significant wealth. Shurdonna also served in Vanguard’s Education Savings Group, focusing on 529 plans and college-savings strategies. While at Vanguard, Shurdonna had the opportunity to rotate through several of the firm's departments, including Retirement Plan Services, International, and Retail Investor Group, as part of its Accelerated Leadership Development Program.
Shurdonna earned the Certified Financial PlannerTM designation and holds FINRA Series 7 and 63 licenses.
She received her Juris Doctor (J.D.) from Temple University Beasley School of Law and has a Bachelor of Science in Finance from Morgan State University Earl G. Graves School of Business and Management.
Shurdonna is an active leader in her region's nonprofit community. She is a board member and a member of the finance, DEI, and strategic planning committees of Philadelphia's Magic Gardens mosaic art environment. She’s also a member of Alpha Kappa Alpha Sorority, Incorporated, an international service organization.