Senior Financial Advisor, Certified Financial Planner
Contributor's Links: Clarity Financial

Frequent writer & contributor to local television & radio stations. Quoted in various publications including the New Yorker, the NY Times, The Wall Street Journal & SmartMoney. Also provider of content to CNBC, MarketWatch. 2014: Regular contributor to MarketWatch's Retirement ... more

ALL CONTRIBUTIONS

Retirement Income Planning Truth With Jim Otar
Income is the lifeblood of retirement. 
Read
Don’t Ignore These Retirement Mistakes - Part 2
Today, retirees face a tremendous challenge: How to generate predictable cash flow with real interest rates on fixed-income investments such as bonds, at zero or negative.
Read
Don’t Ignore These Retirement Mistakes - Part 1
People close to or in retirement must make risk mitigation a priority. No longer money-making, earnings machines, retirees should mentally alter their mindset from one of accumulation to distribution.
Read
Financial Friction Burns Wealth
Financial friction burns wealth when there’s resistance– the heat of conflict, clash of opinion. When money lies between two opposing forces, friction can destroy wealth.
Read
Anatomy Of The Bear. Lessons From Russell Napier
Low volume represents a complete disinterest in stocks. Keep in mind this clearly contradicts the tenet which states that bears end with one act of massive capitulation – a downward cascade on great volume.
Read
America: Will We Finally Learn A Lesson?
If as households we do crumble financially yet another time, will this ‘outlier’ event finally teach us a valuable lesson? One we’ll never forget (again)?
Read

STOCKS I FOLLOW

BOND PIMCO Total Return Exchange-Traded Fund
BSV Vanguard Short-Term Bond ETF
ECON EGSHARES EMERGING MARKETS CO
HYD Market Vectors High Yield Municipal Index ETF
MUB iShares S&P National Municipal Bond Fund

TWEETS

PERSONAL BLOG

Latest Posts
A Houston Lesson: Be “One” & “Someone” To A Happy Retirement
Retirees must stay vigilant and examine portfolio withdrawals to be a step ahead of sequence-of-return risk.

Work Experience

Director of Financial Planning, Contributing Editor
Clarity Financial LLC
November 2012 - Present (8 years 1 month)

Responsible for helping pre-retirees, retirees and their families with financial planning, cash-flow analysis, portfolio strategic and tactical allocation and financial education within an objective, no conflict-of-interest environment. As a fiduciary, my first commitment is to the client. Earned certificate of completion for Advanced Investment Strategist from the Investment Management Consultants Association (IMCA).

Vice-President & Financial Consultant
Charles Schwab
September 1998 - October 2012 (14 years 4 months)

Responsible for building and maintaining relationships with households seeking financial services. Private Client Consultant with $230 million of fee-based assets under management. Also provided financial planning guidance, retirement cash flow strategies, portfolio construction and investment analysis. If you need my insights about working for this corrupt "organization," reach out.

SVP - Branch Manager Financial Consultant
Dreyfus
September 1989 - September 1998 (9 years 2 months)

Worked as branch manager for Sarasota Dreyfus Investor Center. Also responsible for affluent client allocations and investment plans.

Education

College for Financial Planning
MS
2003 / 2005
Financial Planning
Saint John's University - Peter J. Tobin College of Business
Master of Business Administration (MBA)
1982 / 1986
Marketing/Finance

Publications

Random Thoughts of a Money Muse
Richard Rosso
10/23/2012

Random Thoughts is a pop-culture, photo-filled romp through poor urban lives gone mad. Yet valuable lessons learned about money along the way made the entire strange trip worthwhile. It busts through dangerous dogma that has plagued the financial services industry for decades & outlines how you, the investing public can get financially ahead now. It's a refreshingly real adventure through money truth designed to prepare you for a new, harsher financial reality. Be ready for humor, some sexy, a bit of self help, brain-eating zombies and most important - financial ideas you & your family can implement immediately to make it through the next decade and beyond.