Nothing’ But Blue Skies…
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Exceptional Wealth Management Should Feel as Confident, Warm, and Bright as a Perfect Miami Sunrise.
There is something wonderfully fitting about a wealth management team that carries the spirit of South Florida in everything they do — the warmth, the optimism, the deep sense of community, and the unshakable belief that brighter days are always ahead. In a world of global uncertainty and chaotic financial markets, that belief is not simply inspiring – it is essential. And it is precisely the energy that Susan Rutrough and Raymond “Ray” Sardiña bring to their Gables office as the proud founding advisors of Integrity Wealth Advisory at Janney Montgomery Scott LLC.
When headlines are unsettling and markets feel unpredictable, South Florida deserves a trusted partner with the expertise, integrity, and steady hand to find the silver lining in every storm. At Janney Montgomery Scott – long-established national wealth management firm with their roots dating back to 1832 — that is exactly what Integrity Wealth Advisory delivers every single day.
Susan Rutrough – Thirty Years of Trust, One Brilliant Vision
Susan and Raymond lead the practice with grace, expertise, and an unwavering commitment to their clients. Susan Rutrough, First Vice President and Financial Advisor, whose legacy in South Florida’s financial community is as impressive as it is inspiring, offering more than 30 years of experience serving clients. She also completed a certificate program through the University of Miami, further strengthening her commitment to professional development and continuing education. Susan made a deliberate and strategic move to Janney Montgomery Scott for one reason above all others — to give her clients access to a superior platform combining the intimacy of a boutique firm with the reach and resources of a premier national institution.
“We didn’t just change firms- we leveled up for our clients,” says Rutrough. “South Florida deserves expert experienced financial guidance supported by the resources of Janney Montgomery Scott, and that’s exactly what we’re delivering.”
Her credentials are extraordinary – Series 7, 63 and 65 licensed, Life, Health and Variable Annuities licensed, and more than 30 years of financial planning experience across every market cycle imaginable. What truly sets Susan apart is the depth of her community roots. As a Women’s Committee Leader for Big Brothers Big Sisters of Miami, a Miracle Society Member, and a proud Vizcaya Ball Supporter, she has invested her heart into the city she calls home just as surely as she has invested her expertise into her clients’ futures. Coral Gables is her home.
“We are not just managing wealth in South Florida – we are part of this community. Our success is only meaningful when the community around us thrives too.”
At Janney Montgomery Scott, that philosophy finds its perfect institutional match – a firm built on transparency, ethical practice, and an uncompromising commitment to always placing the client first. In turbulent times, that foundation is not simply reassuring — it is transformative.
Raymond Sardiña -Counsel, Character, and Community
Alongside Susan stands Raymond “Ray” Sardiña, Senior Vice President and Financial Advisor at Janney Montgomery Scott – a professional whose remarkable credentials, deep community roots, and genuine warmth make him one of South Florida’s most distinctive and trusted wealth management voices.
Ray brings approximately 29 years of experience in the financial services industry, paired with an academic foundation that is truly exceptional. A Miami native and Florida International University graduate, Ray holds a Bachelor’s of Business Administration, a Juris Doctorate (J.D.), and is also a graduate of the University of Miami where he attained his Master’s of Business Administration (MBA) – a combination that delivers a uniquely powerful perspective on wealth management, estate and tax planning consideration, and the complex financial landscape his clients navigate. His legal training sharpens every strategy and ensures his clients benefit from a level of analytical depth that is genuinely rare in the industry.
His professional licenses reflect the full breadth of his expertise – Series 7 and Series 66 licensed, as well as fully licensed for life, health, and variable annuity products – providing clients with comprehensive, sophisticated guidance across every dimension of their financial lives at Janney.
Ray’s approach is rooted in transparency, long-term thinking, and genuine devotion to the people he serves. His clients gain a trusted advocate who listens deeply, communicates with clarity, and acts always in their very best interest – a quality of partnership that, in uncertain global times, is truly invaluable.
It is beyond the office walls, however, where Ray’s character shines most brilliantly. A devoted servant leader and deeply active member of St. Brendan’s Catholic Parish, Ray has given years of meaningful service to his faith community – including serving as Vice President of St. Brendan’s Athletic Association and as a retreat leader for the men’s Emmaus Ministry men’s, guiding fellow parishioners toward deeper connection, spiritual growth, and renewed purpose. The integrity and genuine care he brings to his ministry are the very same values he brings to every client relationship at Janney Montgomery Scott.
Ray’s philanthropic reach across South Florida is nothing short of extraordinary. As First Vice President of the Kiwanis Little Havana Foundation and Chairman of the Back to School Project, Ray has led one of the region’s most impactful charitable initiatives, delivering essential school supplies, resources, and renewed confidence to more than 10,000 underprivileged youth across the community. Ten thousand children given a brighter start. Ten thousand families lifted by one man’s tireless and heartfelt commitment to his neighbors. Ray’s community spirit extends further still as the proud Founder of the Cutler Bay Yankees – bringing the joy of baseball, teamwork, and youth development to the next generation of South Florida dreamers. And as a past president of the Energy chapter of Business Networking International (BNI), his collaborative leadership has strengthened professional communities and built lasting bridges across the region.
“Real wealth begins with investing in the people around you. When children in our community have what they need to succeed, all of South Florida shines a little brighter.”
The Silver Lining – In Every Market, In Every Season
In turbulent times, the difference between financial anxiety and financial confidence comes down to one thing – the quality of the partner standing beside you. Integrity Wealth Advisory at Janney Montgomery Scott is that partner. When global headlines are uncertain and markets feel uneasy, Susan and Ray bring the steady expertise, calm clarity, and unwavering integrity that helps clients navigate market conditions and changing worry into confidence.
Think of them as South Florida’s silver lining – always present, always principled, always looking forward to the blue skies just beyond the clouds. Together, they deliver the full spectrum of wealth management excellence – retirement transition planning, sophisticated strategies for executives and high-net-worth professionals, and multi generational legacy planning that honors a family’s values for generations to come. Every strategy is custom-designed. Every relationship is a lifelong partnership built on trust – powered by the strength and independence of Janney .
Your Brighter Financial Future Starts Here
The doors are open. The team is extraordinary. And at Integrity Wealth Advisory at Janney Montgomery Scott LLC, the sun is always shining.
“We help clients pursue their financial goals and plan for future generations. And we do it with a smile – because this work matters, and so do the people we do it for.”-Susan Rutrough, First Vice President & Financial Advisor Integrity Wealth Advisory at Janney Montgomery Scott LLC Raymond “Ray” Sardiña, Senior Vice President & Financial Advisor Coral Gables, Florida.
Susan Rutrough
srutrough@janney.com
786-577-6806
Raymond Sardiña
rsardina@janney.com
786-577-6805
255 Alhambra Circle, Suite 201
Coral Gables, FL 33134
Securities and investment advisory services are offered through Janney Montgomery Scott LLC. Member NYSE, FINRA, SIPC. For more information about Janney and our services (including important disclosures), see Janney’s Relationship Summary (Form CRS) at www.janney.com/crs.