Richard has spent the last 45 years in the financial industry where he worked for 22 years as a Stock and Options Specialist with a seat on the American Stock Exchange. There he developed risk management and capital preservation strategies which he has incorporated into his Financial Services practice by using many of these techniques by designing and constructing custom built portfolios for his clients. He has the knowledge, the tools, and the experience to address this changing economic landscape. Richard resides in West Hills with his wife, where they have lived for the past 34 years. He has a married son who is the father of a baby girl.