Strategy

Richard’s goal as a Financial Professional is to listen to your financial dreams and objectives and help you create a strategy for meeting them. Richard defines this strategy as Wealth Coordination and Financial Protection. 

The most important part of creating “Financial Success” is to understand that there is more than one strategy available to achieve one`s financial goal. Richard will help educate you on the many different financial strategies that exist and provide you with knowledge so that you can make decisions that are in you and your family’s best interests rather than the Government or Financial Institutions best interests. Whatever your stage in life, these strategies can help you in creating, building, and preserving wealth while protecting you and your family. 

Many factors and circumstances in life can erode wealth far too easily; inflation, taxes and market risk are just a few. However, implementing strong financial strategies hope to reduce these potential eroding factors. Richard will assess your situation, evaluate alternative strategies, design and implement a strategy that not only meets your objectives but provides increased flexibility and protection along the way. As your situation changes, Richard will continue to evaluate your strategies and recommend make necessary adjustments to continue providing maximum protection, maximum wealth potential and maximum flexibility throughout your life. 

Every financial decision you make incurs a financial cost…you either borrow money and pay interest or you remove money from your investment environment, and in turn, give up earning interest or growth and incur a “Lost Opportunity Cost.” Richard provides his clients the ability to recognize this and helps to make sure that each financial decision made incurs the least amount of “financial cost” while providing maximum flexibility. 

You currently work with multiple financial professionals (Micro Managers): Stockbroker, Property & Casualty Agent, Life Insurance Agent, Banker, Accountant, Attorney, Realtor. How often do they speak to one another about you and your family’s financial strategies? If not, this may result in deficiencies. Richard is not interested in replacing any of your current financial professionals, but only to act as your Macro Manager and offer you the opportunity to build upon them and strengthen your financial world.

Guardian, its subsidiaries, agents and employees do not provide tax, legal or accounting advice. Consult your tax, legal or accounting professional regarding your individual situation.

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