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The Ries Financial Group is a team of dedicated financial services professionals who are well qualified to serve you. Together, we offer you the benefits of our more than 44 years of combined industry experience, training, and knowledge. We are also devoted to providing you with exceptional personal service that exceeds your expectations. Everyone in The Ries Financial Group lives in the community in which we work, and we share its family values. We take pride in giving back to our community, as a business and as individuals, through charitable fundraising events, involvement in local schools and institutions, and support for non-profit organizations.


Joseph E. Ries IV Employee Photo

Joseph E. Ries IV, AIF®
Senior Vice President/Investments

Strengths in retirement planning, 401(k) and Safe Harbor 401(k) Accounts, and education funding:

  • ChFC® (Chartered Financial Consultant®) designee
  • AIF® (Accredited Invesment Fiduciary®) designee
  • Life, Health, and Variable insurance licenses
  • FINRA series 7, 31, 63, and 65 licenses

Joseph E. Ries IV is Senior Vice President/Investments with The Ries Financial Group. As a financial advisor with many years of experience, Joe has achieved a distinguished career in the financial services industry based on two key principles:  putting his clients' interests first and providing exceptional personal service.

Joe began his career with Prudential Securities in 1996. He spent nearly a decade at Legg Mason. In August 2006, he joined Ryan Beck & Co. as a First Vice President and continues as Senior Vice President/Investments with Stifel. As a licensed Financial Advisor, Joe focuses on Retirement Planning, 401(k) and Safe Harbor 401(k) Accounts, Educational Funding, and hedging strategies to augment traditional portfolio investment allocations. A Maryland native, Joe grew up in Baltimore and went to school in Towson. He serves on the Upper Chesapeake Health Foundation Board of Directors and is involved elsewhere in the community. Joe moved to Harford County in 1986 and currently lives in the Forest Hill area with his wife, Debra, and two children, Ryan and Carlee.


Joe Reis | Financial Advisor | Bel Air, Maryland | LinkedIn


Ryan Green Employee Photo

Ryan Green
Financial Advisor

  • Series 7 and 66 securities licenses
  • Life, Health, and Variable insurance licenses (including annuities)

Ryan joined The Ries Financial Group in 2020.  As a Financial Advisor with a strength in retirement planning strategies, he excels in both providing personalized service and helping his clients pursue their goals.

A Maryland native, Ryan grew up in Bel Air and attended John Carroll High School.  He graduated from Frostburg State University, where he met his wife, Jenny.  They currently live in Cecil County with their daughter, Charlotte.

Click here to contact Ryan


Heather L. Joynes Employee PhotoHeather L. Joynes
Senior Registered Client Service Associate
  • FINRA series 7, 24, 63, and 65 licenses
  • Life, Health, and Variable insurance licenses

Heather Joynes has been a Registered Client Service Associate with The Ries Financial Group for more than 17 years. Joining Legg Mason in May 1997, Heather began her career as the Branch Office Coordinator for Legg Mason Financial Partners. Heather earned several industry licenses while with Legg Mason, including her FINRA Series 7 and 24 licenses. She also holds Life, Health, and Variable insurance licenses. Heather joined Stifel in June 2007 through its merger with Ryan Beck. Heather graduated from Towson University, not far from where she grew up in Baltimore County, Maryland. At Towson, Heather earned a Bachelor of Science in Business Administration. Heather moved to Harford County, Maryland, in 1999 and currently lives in Abingdon with her daughter, Eva. In her spare time, Heather enjoys spending time with Eva, cooking, and going to paint nights with friends! 

Click here to contact Heather.


Jennifer C. Smith Employee Photo

Jennifer C. Smith
Client Service Associate

Jennifer (Jenn) joined The Ries Financial Group in March 2017. Jenn earned a Bachelor of Science in Psychology and made the Dean's List from Towson University. While at college, she volunteered at the Sons of the American Legion and started the first womens club soccer team at Frostburg State University. We are happy to have Jenn on our team.

Click here to contact Jenn.


Mandy Bittner Employee Photo

Mandy L. Bittner
Client Service Associate

Click here to contact Mandy

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck