EPA Financial Services Corp

Heather Richards-Barone
President

Heather grew up in Toms River, New Jersey. She graduated from Toms River High School North in 1991, where she was a two-sport standout as a varsity field hockey goalie and a varsity softball pitcher. Upon graduating from the University of West Chester with a bachelor's degree in education, Heather went on to teach in the Toms River School District for several years.

Heather married her husband, Anthony, in 2002, and they have two incredible sons together, Michael Robert and Anthony James (AJ). AJ attends St. Joseph Grade School and Michael the University of Tampa.

In 2003, Heather came back to work with her mother and father at EPA Financial Services. At first, Heather ran the office as the office manager, and, in 2015, she took over as president of EPA Financial Services. Heather enjoys what she does and loves what each day brings. Heather can be found at the office on the weekends, helping our clients with items that need attention because she loves solving our clients' problems. Heather has proven time and again that she is the best multitasker around.

During her free time, Heather loves researching, playing basketball with her sons, playing with her three dogs (Blueberry and CC, barbets; and Atika, a pug), and spending time with her family. Anthony and Heather are often hosting some sort of celebration or gathering each weekend because they love to have their friends and families all together.

Robert J. Richards, Sr.
CFP^®
Bob is a lifelong resident of New Jersey, except for two years on active duty in the U.S. Army in Korea and Fort Meade, Maryland. He has lived with his wife of 53 years, Jeanne, in Toms River since 1974.

Bob attended Woodbridge High School from 1958 to 1962. After that, he was a member of the 200th-anniversary class graduating from Rutgers University in 1966. At the height of the Vietnam War, he entered the Army upon graduating and was sent to Korea, where Jeanne joined him for his service there.

After being honorably discharged, Bob worked for E.R. Squibb and Sons, and Seatrain Lines until 1972. After graduating from Seton Hall University with an MBA, he took a job selling life insurance for Aetna Life and Casualty. In August 1972, he was sent to its first financial planning school and fell in love with the profession, and has devoted his career to helping others realize and achieve their financial goals. Along the way, he attained the prestigious Chartered Life Underwriter^® (CLU^®) designation.

In 1982, Bob became one of the first 400 CERTIFIED FINANCIAL PLANNER^® professionals in the country (there are now between 80,000 and 100,000 CFP^® professionals).

Bob is an avid softball player and travels all around the United States playing the game he has loved since childhood. Although he and his teammates have won several world championships, his highest individual honor was being inducted into the senior softball hall of fame in 2005.