Richard is a Certified Financial Planner® (CFP). Retirement income planning is his specialty, as is investment management for clients who are retired or nearing retirement. Richard is an Accredited Investment Fiduciary. He is also a National Social Security Advisor certificate holder. He helps clients with all aspects of their financial life, from basic budgeting to complicated estate plans. He has been a national board member for both the Certified Financial Planner organization and the Financial Planning Association, the professional organization for financial planners. Richard leads a firm with 4 financial advisors. The firm also includes a Medicare specialist.
Richard is a Certified Financial Planner practitioner and Certified Employee Benefits Specialist, practicing financial planning since 1986. Richard is also an Accredited Investment Fiduciary. The firm provides comprehensive personal and business financial planning for owners and executives of companies, and employee health and retirement benefits for employees. Our main focus is retirement planning for both individuals and companies. Our investment style is called Risk Managed Investing. We manage for risk first, and return second.
General Information |
| Firm Start Year: | 1986 | |
| Name of Broker/Dealer: | Cambridge Investment Research, Inc |
| States Licensed in: | Kansas, Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Hawaii, Iowa, Illinois, Indiana, Kentucky, Massachusetts, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Texas, and Virginia. |
| Number of Years with Current Firm: | 31 |
| Work Experience: |
Financial Planner, since 1986. Retired Lt Col, USAF Instructor for a Government contractor teaching financial classes to military members. |
| Work with the following types of clients: | Individual Investors, Non-Profit Organizations, Businesses |
| Advisory Services Provided: | 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Tax Advice and Services, Financial Planning for Businesses, Financial Planning for Individuals |
Services |
| Investment Types: | Mutual Funds, Exchange Traded Funds (ETFs), Alternative Investments, Insurance, Annuities, Stocks, Bonds, Options & Futures, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Phone, Our Office, Your Home, Your Office, Email, Video Conference |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Variable Life, Long Term Care, Variable Annuity, HMO, Life, Health, Annuity, Accident, Casualty, Property, Disability |
| Financial Organization Memberships: | Financial Planning Association (FPA) |
| Non-Financial Organization Memberships: | Wichita Estate Planning Council Central Kansas Planned Giving RoundTable |
Firm Information |
| Advisor's Number of Clients: | 200 |
| Advisor's Number of Managed Clients: | 70 |
| Advisor's Number of Planning Clients: | 100 |
| Assets Managed by Advisor: | $100,000,000 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $100,000 |
| Compensation Methods: | Hourly, Flat Fee, Commissions, Based on Assets |
Board Positions |
| Organization : | Financial Planning Association, Denver, CO |
| Position : | Member |
| Duration : | 2012-2014 |
| Organization : | CFP Board of Examiners, Washington, DC |
| Position : | Chair |
| Duration : | 2002-2005 |
Education |
| MBA - Finance | University of Montana
- Montana 1979-1985 |
| BS - Agronomy | KState
- Manhattan, KS 1975-1979 |
Disclosures |
| WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. |
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Additional Detailed Disclosures |
Disclaimer |
| Financial Benefits, Inc cannot accept trade orders through e-mail. Important letters, e-mail, or fax messages should be confirmed by calling (316) 315-0147. This email service may not be monitored every day, or after normal business hours. Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory Services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Financial planning services through Financial Benefits, Inc, a Registered Investment Advisor. Cambridge Investment Research, Inc is not affiliated with Financial Benefits, Inc. The information in this email is confidential and may be legally privileged. It is intended solely for the addressee. Access to this email by anyone else is unauthorized. If you are not the intended recipient any disclosure, copying, distribution or any action taken in reliance on it, is prohibited and may be unlawful. |
Registered Investment Advisor:
Yes
Registered Representative:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
| Mon. | 9:00 AM - 6:00 PM |
| Tue. | 9:00 AM - 6:00 PM |
| Wed. | 9:00 AM - 6:00 PM |
| Thu. | 9:00 AM - 6:00 PM |
| Fri. | 9:00 AM - 6:00 PM |
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