• Richard Palmer, CFP®

    Vice President, Investments

Helping Heroes Preserve Their Money

Rick Palmer is a Financial Advisor with a CERTIFIED FINANCIAL PLANNER® certification who focuses on managing DROP (Deferred Retirement Option Plan) distributions for sworn employees and emergency services personnel. He works closely with clients to identify the factors to consider when entering DROP. Investment concerns such as asset allocation, diversification, income needs, and risk management are the cornerstone issues to consider when developing a financial plan. He is well-versed in phased retirement programs such as DROP, as well as Back-DROP and PLOP (Partial Lump Sum Option Plans). He is a member of the Florida Fire Chiefs Association, the Florida Police Chiefs Association, and a sponsor of the annual FFCA and FPCA Annual Meetings. He has also contributed articles to 1st Responder Newspaper, Florida Fire Service magazine, and Florida Police Chief magazine on articles concerning DROP.

A native of the Hudson Valley area of New York, Rick graduated from Jesuit Tampa and went on to receive his bachelor's degree in business administration from Emory University, graduating with distinction. Rick and his wife, Michele, live in Safety Harbor, FL and enjoy music, reading, exercising, and wine tastings.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER,  CFP Logo Flame Design and  CFP Logo Plaque Design in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.