Kyle Ryanage 36

Executive VP, Personal Capital

I am a Trailblazer

40 Under 40
40 Under 40

I am a Leader

40 Under 40
Leaders

I am a Trailblazer

Trail Blazers

I am an Entrepreneur

40 Under 40
Entrepreneurs

I am a Visionary

40 Under 40
Visionaries

I am an Idealist

40 Under 40
Idealists

Meet the Leaders

Whether in their own firms or in their communities, these young people are leading the charge toward innovation in financial planning, bringing new opportunities to advisers and clients alike. Here, they share the best leadership advice they’ve received in their careers.

Meet the Trailblazers

This group doesn’t subscribe to groupthink. They are spearheading new ways of practicing and delivering financial advice — in some cases reaching populations previously considered unprofitable to serve. We ask them about the most unique and unusual ideas they’ve had.

Meet the Entrepreneurs

In addition to helping clients reach their financial goals, some in the advice industry face the challenge of running a business or a team. Others have started companies to support this pursuit. These young people are flourishing amid the balancing act — and some got an early start.

Meet the Visionaries

It’s not about what is, but what will be — and what can be — the future of the financial planning industry for this group of forward-looking advisers, educators and executives. Their insights pull the rest of the profession into the next stratum.

Meet the Idealists

Life experiences shape our ideals, especially for these young professionals who see challenges in the advice industry and the world — and set out to meet them. They also have words of wisdom for the next generation.

About Kyle

Kyle Ryan wishes the industry would stop referring to Personal Capital as a robo-adviser.

"It bothers me because we're not," said Mr. Ryan, executive vice president of the San Francisco-based firm that offers an online investment advisory platform. "From the beginning we've also embraced the traditional adviser relationship because we think people want and need advisers."

In fact, Mr. Ryan is crafting an entirely new client experience at his firm, and is an industry leader in trying to figure out the best way of transitioning from solely physical distribution of investment services to virtual delivery.

As director of adviser services, he built out a process that blends an adviser's personal touch with high tech investment and analysis tools. He's hired, trained and mentored the firm's 40 advisers, each of whom works with clients that have investible assets of at least $100,000.

Mr. Ryan, a certified financial planner, also works on specific situations for clients and prospects as a member of the investment committee.

Over his career, he's mostly held management positions at investment advice firms. Mr. Ryan was the youngest ever group vice president at Fisher Investments and then spent about two years at Merrill Lynch as director of wealth management banking before joining Personal Capital.

Mr. Ryan, who is married with four children, met Personal Capital chief executive William Harris Jr. in 2009 when the firm "was just an idea," he said.

"We talked about transforming the wealth management business by leveraging technology," he said.

Mr. Ryan joined Personal Capital in 2010, the year before the firm launched its online tools and services.

"Technology enhances what an adviser can do for a client," he said.

— Liz Skinner

Next Profile

  • John Salter

    Wealth manager and partner/associate professor of personal financial planning, Evensky & Katz Wealth Management/Texas Tech University

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Fast Facts

  • Wanted to play quarterback for the 49ers growing up
  • Contemplated majoring in Art History
  • Guilty pleasure: Loves HBO's "Game of Thrones" and read all the books in the series