Richard`s goal as a Financial Representative 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. It is Richard`s job to educate you on the many different financial strategies that exist and to provide you with the knowledge to make the decisions. Richard aims to optimize the personal benefit to your family, rather than to the Government of Large Financial Institutions who benefit as well. Whatever your stage in life, this strategy can help you to better create, build, and preserve wealth to protect you and the people you care about Many factors and circumstances in life can erode wealth far too easily; inflation, taxes and market risk are just a few. However, with a strong financial strategy, the impact can be reduced. 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 strategy and make the 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 makes 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 strategy? 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.