Rick has over 34 years of experience in the financial services industry. He holds the FINRA Series 7 General Securities License and is a registered respresentative with Securities America, Inc., an independent broker dealer with over 1,700 financial professionals nationwide. He is also an investment advisor respresentative with Securities America Adviors, Inc., an SEC registered investment advisor. Rick uses a comprehensive approach with his clients, taking into consideration their unique financial goals and situation. He is experienced in all facets of investment and financial planning and specializes in the area of retirement planning and income distribution. Rick holds the Chartered Federal Employee Benefits Consultant (ChFEBC) Designation.