Richard has been in the financial services field for well over three decades. After graduating from Cornell University with a degree in Mathematics in 1969, he served for four years as an officer in the U.S. Navy. In 1973, he moved to the Monterey Peninsula with his wife and first son. By the fall of 1974, he was licensed by the State of California as a Life and Health Insurance agent and by the National Association of Securities Dealers (NASD) as an Investment Securities Registered Representative. In June 1983, he completed the requirements for the Certified Financial Planner designation. In 2007 he earned the title Registered Principal.
For sixteen years, he worked for several major firms including: Mutual of Omaha; Donaldson, Lufkin and Jenrette and Kidder,Peabody. In 1989 he decided to become an independent adviser. He had come to realize that the environment working for a major, national firm was not good for himself or his clients. Major firms apply pressure on their reps in a variety of ways: quotas; production minimums; and extra pay for selling in-house products. This is not the environment for keeping the best interests of clients at heart. He opened his office at 529 Central Ave. in Pacific Grove with the following mission statement: to find for each client the financial strategies and products that have the highest probablility of success at the lowest possible cost. He has strictly maintained his independent, client-oriented practice since then.
Richard provides full-service financial planning and investment advisory services. From simple, single transactions to comprehensive insurance/investment/retirement plans, he offers each client a wealth of experience and product knowledge. His clients include doctors, lawyers, architects, engineers, small business owners of all types and their employees, independent contractors, teachers, families saving for college and retirement, and retirees. In January 2013, he moved his office to his home at 1013 Short Street, in Pacific Grove. As of October 10th, 2013, he is a certified insurance agent for the California health insurance exchange, Covered California. He can be reached at (831) 375-1220 and at firstname.lastname@example.org