Richard Kirk

Richard has been in the retirement planning industry for over 20 years, guiding people entering or in retirement who want a straight answer to one question: am I going to be okay? He doesn't lead with jargon or a product pitch — he starts by understanding your full situation, then builds a plan you can actually trust.

Richard holds a Series 65 license and operates as a fee-based fiduciary for investment advisory services — a legal standard, not a marketing claim. He's required by law to recommend what's in your best interest, and doesn't earn a commission on the accounts he manages. When a recommendation is implemented through an insurance product like an annuity, the insurance company pays a commission out of its own revenue — never out of your account — and that's disclosed to you up front. His process starts with a Discovery Call, followed by gathering your financial data and running the numbers, then a full plan and recommendations — typically three to six meetings before anything moves.

He is NSSA and IRMAA certified, specializing in Social Security claiming strategy and Medicare enrollment decisions — areas that are easy to get wrong and expensive to get wrong. Richard has been in the industry for over 20 years with no regulatory complaints or disciplinary actions, verifiable on FINRA BrokerCheck.