Ryan Malloch earned a degree in Business Administration with a major in finance and minor in accounting from Western Michigan University. Mr. Malloch has been in the financial services industry for over twenty years. He has worked at the global firms of Smith Barney and United Bank of Switzerland (UBS). In 2003, Mr. Malloch founded Innovative Investment Services (IIS), an independent financial services company. In starting IIS, Mr. Malloch felt people should be able to receive independent, holistic advice on all of their financial concerns, with a process for managing investments and income distributions. To accomplish this, a variety of financial professionals work together to make sure