Richard graduated from UCLA with degrees in economics and psychology. He balances the needs of the client using insurance to manage the risks of today, and investments to help achieve the goals of tomorrow. Richard’s focus for 15 years has been to educate clients, simplify complex concepts, and to ensure each client has a full understanding of their objectives. He uses data-driven portfolio modeling to help integrate sophisticated portfolio building into each client’s model. He believes that understanding each client’s needs and desired goals is vital to helping them successfully reach the day of their retirement. Richard holds several securities licenses, including General Securities Representative, Investment Advisor Representative, and Investment Company and Variable Contracts Representative.