Rick Martinez CFP® is a Passionate and highly experienced Retirement Wealth & Tax Strategist. His goal is always to help his pre-retirees and retirees experience financial peace of mind. Rick works closely with a collaborative team of CPA's, Estate Attorney's, and other Certified Financial Planners™ with RDM Financial Group. Using the powerful approach of The "Retirement Wealth Maximizer System", He has been able to help his retirees enjoy a comfortable retirement where they are positioned to never run out of money and are also able to leave tax-efficient and tax-free money to their kids, grandkids, and other love ones. Because Rick is passionate about his career, he continues to seek higher education through the University of California, Irvine, and has attained the designation of CERTIFIED FINANCIAL PLANNER™. He maintains qualifying state licensing, quality strategic coaching from other experts in the industry, and ongoing training on new laws affecting taxes and retirement investments. Rick is a life-long Californian. He is happily married to his wife Gracie of 25 years and is the proud father of two wonderful daughters Sarah and Chelsee. Rick enjoys family weekend trips to the river and walking his dog's Candy and Max.
We understand how important it is for you to be able to trust your Financial and Tax planning team - particularly in the wake of recent, highly publicized corporate failures and investment management misdeeds. Regardless of the direction the stock market and interest rates take in the future, it's important to have a trusted advisory team you can count on to give you the news straight and look after your best interests.
General Information |
| Insurance License#: | 0H25189 |
| States Licensed in: | AZ,CA,Tx,VA |
| Number of Years with Current Firm: | 11 |
| Work Experience: | 1997-2010- ATT - Major Account/Data Manager- Handled 35 million of company revenue while managing 25 accounts 2010 to Present- RDM Financial- Own and Operate Financial Planning firm. |
| Work with the following types of clients: | Businesses, Individual Investors |
| Foreign Languages Serviced: | English, Spanish |
| Advisory Services Provided: | Portfolio Management, Financial Advice & Consulting, Financial Planning for Businesses, Insurance Products & Annuities, Investment Advice & Management, Financial Planning, Financial Planning for Individuals, Money Management, Wealth Management, 401K Rollovers, Retirement Planning |
Services |
| Investment Types: | Alternative Investments, Exchange Traded Funds (ETFs), Stocks, Bonds, Annuities, Mutual Funds, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Your Home, Our Office, Phone, Email, Your Office, Video Conference |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Disability, Annuity, Health, Life, Long Term Care |
Firm Information |
| Advisor's Number of Clients: | 250 |
| Advisor's Number of Planning Clients: | 100 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $100,000 |
| Compensation Methods: | Flat Fee, Commissions |
| Fee % Based on Assets: | 1% |
| Hourly Rate: | No hourly |
| Additional Details on Charges: |
Consultation is complementary. Managed assets 1% Commissioned products no asset fee. Commission paid by sponsor not client |
| Minimum Fee Charged for Managed Accounts: | 1% |
Education |
| Finance - Certified Financial Planner | University California at Irvine
- Irvine 1/2015-1/2018 |
| Business Management - Marketing | California State at Los Angeles
- Los Angeles 9/92-6/95 |
Financial Services |
| Financial Planning for Businesses
We can help in several areas, some being retirement and risk planning as well as utilizing a team to help reduce taxation. |
| Financial Planning for Individuals
We assist clients of all ages and stages of life: Pre-Retirement and Retirement. Asset accumulation and Distribution to include assessing many risks. |
| Financial Advice & Consulting
Tailor a plan according to the client's needs and dreams. |
| Portfolio Management
Since we are independent, we can utilize annuities, managed money, and alternatives to mitigate risk and provide confidence and clarity that a client's plan has a better chance of success through economic changes and inflation adjustments. |
| Retirement Planning
Our planning includes a retirement plan to create a pay check and "play-check": checks to cover fixed costs with inflation forecasts and a check for ongoing quality of life fun. -Assessing risks like death and Healthcare needs including Medicare cost. -When needed, utilizing a team of experts to assess needs like tax mitigation and estate planning |
| 401K Rollovers
Stress Test current portfolio and produce a plan to determine the type of investments needed to accomplish retirement goals. |
| Insurance Planning
Utilize a team of experts that specialize in insurance planning. |
| Annuities
Every investment has its place. Annuities are great when there is family longevity or the need of a guaranteed income/pension. |
| Estate Planning & Trusts
Utilize a team of experts that specialize in estate planning and trust. |
| Tax Advice and Services
Utilize a team of experts to help with tax advice that can save and preserve assets. |
| Education Funding and Planning
Not part of my expertise, but I can refer to outside experts to assist with client needs. |
| Wealth Management
Stress Test current portfolio and produce a plan to determine the type of investments needed to accomplish retirement goals. |
| Risk Management
Assess heath, family longevity, and coverages in order to prevent financial loss. |
| Money Management
Since our firm is independent, we have the ability to seek out unique money-managers that can help specific goals. |
Disclosures |
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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 https://www.wiseradvisor.com/disclosure/1890574/wiseradvisor-rdm-financial-detailed-disclosure.html |
Disclaimer |
| Investment advisory services are offered through Retirement Wealth Management, a California registered investment adviser. Securities are offered through Great Point Capital, member SIPC and FINRA. Great Point Capital and Retirement Wealth Management are not affiliated. |
Registered 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 |
| Open |
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