Our Firm

We work for you.

The Ryan & Janowsky Financial Strategies Group is aligned with Royal Alliance, Member FINRA/SIPC (our full service Broker/Dealer) and Pershing LLC., (our financial custodian).  
Royal Alliance is an independent broker-dealer that provides us with back office, technology, regulatory and operational support. Thanks tour association with the firm, I can offer you access to thousands of diverse financial strategies. Royal Alliance is not in the business of creating and marketing their own investment products—their only “products” are service and support. Therefore, we can offer objective, independent investment advice, with no obligation to promote any particular investment. After all, we don’t work for Royal Alliance. We work for my clients.

Royal Alliance is one of four broker-dealers within the Advisor Group network. Advisor Group, Inc. is an independent company owned by Advisor Group Holdings, Inc., a holding company owned by investment funds affiliated with Lightyear Capital LLC, a New York-based private equity firm focused on financial services investing, PSP Investments, one of Canada’s largest pension investment managers, and certain private funds.
The Advisor Group network includes approximately 5,200 licensed financial advisors.

Pershing has been a leading global provider of financial business solutions for 75 years and serves many of the world’s most respected financial organizations. Your assets are not held at our firm, nor are they held at Royal Alliance. Pershing is a separate and independent entity, and a subsidiary of The Bank of New York Mellon Corporation, a leading provider of financial services for institutions, corporations and high-net-worth individuals.
Pershing is a member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at sipc.org.
In addition to SIPC protection, Pershing provides coverage in excess of SIPC limits from certain underwriters in Lloyd’s insurance market and other commercial insurers. The excess of SIPC coverage is valid through February 10, 2017 for Pershing LLC accounts. It provides the following protection for Pershing LLC’s global client assets:
An aggregate loss limit of $1 billion for eligible securities—over all client accounts
A per-client loss limit of $1.9 million for cash awaiting reinvestment—within the aggregate loss limit of $1 billion.

SIPC and the excess of SIPC coverage do not protect against loss due to market fluctuation.
An excess of SIPC claim would only arise if Pershing failed financially and client assets for covered accounts—as defined by SIPC—cannot be located due to theft, misplacement, destruction, burglary, robbery, embezzlement, abstraction, failure to obtain or maintain possession or control of client securities, or to maintain the special reserve bank account required by applicable rules.
Lloyd’s currently holds an A+ rating from Standard & Poor’s® (S&P®), an A rating from A.M. Best and an AA- rating from Fitch. These ratings are based on the financial strength of the company and are subject to change by the rating agencies at any time.* For more information about Lloyd’s, please see www.lloyds.com.  *Ratings as of January 2015.