Baltimore

CLIENT SERVICE TEAM HEAD
Andrew G. Nichols, Managing Director

CLIENT SERVICE TEAM
Crystal L. Herring, Senior Associate
Kyle W. Marotta, Associate Vice President
Roseanna M. Ritmiller, Senior Vice President
Joanne S. Ryals, Senior Vice President

ATLANTIC TRUST EXECUTIVES
David L. Donabedian, CFA, Chief Investment Officer

BALTIMORE OFFICE ADDRESS
100 East Pratt Street, Suite 2550
Baltimore, MD 21202
410.539.4660
888.880.1621

Andrew G. Nichols
Managing Director

Andrew G. NicholsAndrew Nichols is a senior relationship manager and head of the Baltimore office of Atlantic Trust. he has 32 years of experience in helping high-net-worth families with their wealth management and fiduciary needs. Andrew is a member of the Baltimore Estate Planning Council, the AJC Planned Giving Round Table and a past member The Walters Art Museum Planned Giving Advisory Council. Prior to joining Atlantic Trust in 1997, Andrew spent 15 years at the Mercantile-Safe Deposit & Trust Company where he headed The Family Office Group. He earned a bachelor of arts from Tulane University, a master of science in administration from Georgia College and a Juris Doctorate from Mercer University. Andrew is a member of the State Bar of Georgia, the Maryland State Bar Association and the American Bar Association.

Crystal L. Herring
Senior Associate

Crystal L. HerringCrystal Herring is a client service manager responsible for office management, as well as ongoing daily account administration duties in the Baltimore office. In this role, she works closely with senior client service managers and relationship managers to provide comprehensive client service for both trusts and personal accounts. Prior to joining Atlantic Trust in 2007, Crystal worked as an operations manager at Bond Business. Crystal is currently working to earn both a bachelors degree in business administration from the University of Maryland and a trust certificate from the Cannon Financial Institute.

Kyle W. Marotta
Associate Vice President

Kyle MarottaKyle Marotta is an associate relationship manager in Atlantic Trust’s Baltimore office. In this role, he works on client investment portfolios by analyzing financial needs, setting objectives and determining risk tolerance in order to create an appropriate asset allocation and investment plan. Prior to joining Atlantic Trust in 2007 he was a staff accountant at Bond Beebe Accountants and Advisors. Kyle earned a bachelor of arts in business administration from McDaniel College and is currently pursuing an MBA in finance from The Sellinger School of Business at Loyola University Maryland. Additionally, Kyle enjoys volunteering for VITA, a national IRS income tax assistance program.

Roseanna M. Ritmiller
Senior Vice President

Roseanna M. RitmillerRose Ritmiller is a senior client service manager in the Baltimore office with over 43 years of experience in the investment management and financial services industry. She has spent the majority of her career working in trust departments, where she has held management positions in Trust Operations, Trust Administrations, Trust Compliance and Institutional Custodial Services. Before joining Atlantic Trust in 1996, she spent 30 years with Maryland National Bank. During her tenure there, she managed several conversion projects including multiple trust systems, capital budget and payroll. Her last three years with the bank were spent as director of Payroll Services, where she was responsible for a global payroll of 20 companies. She has completed the Cannon Trust School's three year program.

Joanne S. Ryals
Senior Vice President

Joanne S. RyalsJoanne Ryals is a senior client service manager in the Baltimore office with 30 years of industry experience. In this position, she works with senior management and relationship managers while focusing on client service. Prior to joining Atlantic Trust in 1995, she worked at Security Trust Company in trust custody administration and prior to that she was with M & T Bank managing the Trust Accounting Operations group. Joanne has also completed the Cannon Trust School's three year program. She is the treasurer for Community United Methodist Church and volunteers with various outreach programs through her church.

David L. Donabedian, CFA
Chief Investment Officer

Andrew G. NicholsDave Donabedian is chief investment officer of Atlantic Trust, returning to the firm in 2009 after serving as chief investment officer for Ashbridge Investment Management, LLC from 2006 to 2009. As a leading investment expert in our industry, Dave frequently appears on television networks, including CNBC, Bloomberg Television and FOX Business News, and provides insights in publications such as Barron's and The Wall Street Journal. Previously—from 1996 to 2006—Dave worked with Atlantic Trust for ten years as managing director and chief economist, serving as a key member of our firm’s Asset Allocation and Multi-Manager and Investment Policy Committees and leading our Baltimore and Washington, D.C. offices. Since leaving our firm to become CIO at Ashbridge, Dave expanded his experience, establishing and implementing broad investment policy across the firm, including policy development, asset allocation and manager selection. He also served as chairman of Ashbridge’s Investment Committee. Dave received a Bachelor of Science in economics and a Bachelor of Arts with honors from The Wharton School at the University of Pennsylvania. He subsequently earned a Master of Business Administration from Columbia University Graduate School of Business with a concentration in finance and money markets. He is a Chartered Financial Analyst and a member of the CFA Institute.

As of 09/10, the Chartered Financial Analysts® (CFA®) designation is globally recognized and attests to a charterholder's success in a rigorous and comprehensive study program in the field of investment management and research analysis. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNERTM in the U.S.