Nicholas Wayne Rygiel

Current Employers

Employment History

• 10/2011 → 07/2022
  Merrill Lynch, Pierce, Fenner & Smith Incorporated
  Bala Cynwyd, PA
• 01/2012 → 07/2022
  Bank Of America, N.A.
  Bala Cynwyd, PA
• 04/2022 → Present
  Ironclad Financial Llc
  Havertown, PA
• 11/2022 → 05/2023
  Blend Financial, Inc. Dba Origin Financial
  Boston, MA
• 06/2025 → Present
  Enclave Digital Wealth
  Denver, CO

Previous Registrations

• 2022-07-25 → 2025-10-23
  Ironclad Financial
  Havertown, PA
• 2022-12-07 → 2023-05-18
  Origin Investment Advisory Llc
  Byrn Mawr, PA
  Sarasota, FL
• 2012-01-03 → 2022-07-09
  Merrill Lynch, Pierce, Fenner & Smith Incorporated
  Bala Cynwyd, PA

Other Businesses

1. L1.co (Formly L1 Advisors); Investor; Investment related: Yes; 145 Tyee Drive #33100 Point Roberts WA 98281 USA; L1.co is a technology platform that offers non-custodial wealth management tools for clients and financial advisors. This platform provides read-only access to a client's portfolio via digital wallet addresses and facilitates the sending of transactions, which are then either approved or rejected by the client that holds discretionary authority. The platform provides real-time, actionable insights on risk exposures, reporting tools, and a consolidated dashboard for portfolio overview.; Duties: Disclosure of Potential Conflicts of Interest: Nick Rygiel, owner and advisor of Ironclad Financial and is a Managing Partner at Enclave Digital Wealth, both are Registered Investment Advisory (RIA) firms that utilize the L1.co platform for providing non-custodial advisory services to his clients. While Nick Rygiel doesn't receive any direct compensation from L1 Advisors, it should be noted that he holds a vested interest in the success of the L1 Advisors platform, having invested $50,000 in their Seed Round via a Simple Agreement for Future Equity (SAFE). This financial commitment could result in a beneficial financial outcome for Rygiel, Ironclad Financial and Enclave Digital Wealth if L1.co performs well. Despite this potential conflict of interest, Ironclad Financial, Enclave Digital Wealth, its advisors, and specifically Nick Rygiel, persist in their commitment to unbiased advice and thorough analysis. Hours per month devoted to business during trading hours: 4; Hours per month devoted to business outside trading hours: 10; Percentage of total yearly compensation expected to be derived from the business: 0. 2. Protocol Wealth LLC. Investment-related. 16192 Coastal Highway. SEC Registered Investment Advisor. Co-Founder / CTO / CISO. 06/01/2025. 160 hours/month. 120 hours. Firm management and operations; technology and information-security leadership; investment advisory to clients including investment policy statement development and portfolio strategy design; business development 3. Silicon Valley Highpoint Capital LLC. Investment-related. 763 Contada Circle. General investment banking related activities. Principal. 12/05/2025. 10 hours/month. 2 hours. Source deals, find capital, and structure deals; all securities transactions effected through Finalis Securities LLC.

Exams

• S63 Uniform Securities Agent State Law Examination
  2026-05-28
• S66 Uniform Combined State Law Examination
  2011-12-27

Designations

Other Names

• Nicholas Wayne Rygiel
• Nicholas W Rygiel
• Nick W Rygiel
• Nick Wayne Rygiel