Ralph Willner Giwerc joined AXA Advisors, LLC in 1994 focusing on investment, insurance and retirement planning. He is a Cornell University graduate who received his ChFC® designation in 1998. He has been with Sequoia Financial Group since 2011. He has been a member of The National Association of Insurance
and Financial Advisors since 1995 and The Society of Financial Service Providers since 1999. Ralph lives in Saratoga Springs, NY with his wife Gail and they enjoy spending time with their three children in Boston and New York City.