Our Team

The Heritage Group unites complementary strengths with more than 50 years of combined financial services experience. Each member of The Heritage Group represents the ability to provide high-end value to every client relationship.

The Heritage Group focuses on comprehensive wealth management, which includes financial, retirement, insurance and education funding planning. Using their industry knowledge, they work together with their clients to recommend a life cycle planning strategy which is designed to manage their wealth.

By establishing a risk tolerance and investment goal profile with each client, they determine the investment strategy best suited to help clients toward achieving those objectives.
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John V. Ruggiero
Executive Vice President / Wealth Management, Financial Advisor
About John

John has been in the financial services industry for more than 20 years; in that time, he has acquired the level of perspective and knowledge necessary to make recommendations for his client’s short- and long-term goals. His career is dedicated to providing unbiased advice and guidance on a personal level. John is strongly committed to making sure his clients are aware of the investment options available to them, and together they can make informed decisions and feel confident about their financial plan.

Outside of the office John enjoys boating, skiing, and spending time with his family and friends. John and his wife Dana have two children and currently live in Lighthouse Point, FL.

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Faith Sutter
Senior Registered Private Client Associate
About Faith

Faith Sutter began her career in financial services in 1999 and joined Janney in 2009. Faith currently serves as Senior Registered Private Client Associate for The Heritage Group. As often the first point of contact for many clients, Faith is available to support clients in the day-to-day management of their accounts. Faith's experience, professionalism and knowledge of the industry make her a valuable resource for The Heritage Group and their clients. Faith enjoys exercising, spending time with her German Shepard, Nya, and her partner Oscar.

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Katherine Neto, AWMA®
Private Client Associate
About Katherine

Katherine joined Janney from Ameriprise Financial back in 2020. She holds the Accredited Wealth Management Advisor SM designation. In addition, she holds Series 7 license and Securities Industry Essentials certification. Katherine continues to apply her skills on the The Heritage Group with assisting in the development of financial plans, including client data gathering and preparation. In addition, she assists with marketing needs for the team. Katherine enjoys being outdoors and spending time with her wife and her dog.

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Hina C. Iervolino
Branch Operations Associate
About Hina

Hina started her career in the financial services industry in 1996 as a customer service representative with Merrill Lynch. After stepping away from the corporate world in 1999 to focus on family and assist in running a family business, she returned to her professional career in 2007 joining the Towson branch of Janney in a front desk administrative position.

Soon after joining Janney, Hina was elevated to a Private Client Associate role. While working in her new role, Hina also became involved in assisting management with branch operations duties and was elevated to the position of Branch Operations Assistant in 2009.

In 2018 she relocated to the Boca Raton office in the same capacity while also assisting in regional operations as well. 

Hina currently assists both the Manager and Operations Manager of the South Florida Complex with operations and continues to work directly with clients in her PCA role. She prides herself on delivering the best possible service to clients and cherishes the relationships she has developed with many of the clients she assists daily.

Hina lives in Palm Beach Gardens with her husband John and has spent time volunteering with the Miracle League of Palm Beach County. When she is away from the office she enjoys traveling with family, playing golf, and spending time at the beach with her husband and 2 dogs. 

Supported By

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.

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Ed Smith
Senior Tax and Estate Planner
About Ed

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.

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Guy LeBas
Chief Fixed Income Strategist, Janney Montgomery Scott LLC Director, Custom Fixed Income Solutions, Janney Capital Management
About Guy

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.


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Jack Cintorino
Vice President, Senior Financial Planner
About Jack

Jack Cintorino, based out of the Alexandria, VA branch, provides assistance and support in many aspects of financial planning to Janney’s Financial Advisors and their clients. Prior to joining Janney, Jack was employed at AXA since October 2012 as Director / Lead Manager and Senior Case Design Consultant focusing on Estate and Charitable Planning. He holds a BA degree from State University of New York at Stony Brook, and Juris Doctor (JD) degree from Touro College School of Law.


Jack has been a featured guest on a cable television investment program, has had several articles published within the industry, and has been a guest speaker at numerous industry and public seminars.

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Mark D. Luschini
Chief Investment Strategist, Janney Montgomery Scott LLC President and Chief Investment Officer, Janney Capital Management
About Mark

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

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Mike Halloran, CFA
Equity Strategist
About Mike

Mike Halloran serves as an Equity Strategist in Janney’s Investment Strategy Group. Bringing over 20 years of financial service experience to Janney’s established team of professionals, Mike analyzes all asset classes with particular emphasis on equity research.


Prior to Janney, Mike was Vice President of Market Strategy for BPU Investment Management Group, and was responsible for the development of the firm’s global outlook and implementation of numerous investment strategies. His previous experience includes performing equity research for large cap core and growth mutual funds, and working in PNC’s investment banking organization supporting M&A, high yield, private placement, loan syndication, and derivative security transactions. He is also an adjunct finance professor and former aerospace research engineer.


Mike received his B.S. in Mechanical Engineering from the University of Pittsburgh, M.B.A. from Carnegie Mellon University and his M.S. in Mechanical Engineering from the University of Florida. He also holds the Chartered Financial Analyst (CFA) designation.

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Contact us today to discuss how we can put a plan in place designed to help you reach your financial goals.