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

Portfolio Returns Are The Least Of Your Worries
Over the last decade, it’s been a fun ride for stock and bond investors. Complacency has ruled. Markets have moved higher with infrequent periods of correction.
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5-Things Your Broker Wont Tell You – Part 4
Without Social Security included as part of a retirement income plan, even disciplined savers may experience financial vulnerability in retirement.
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5-Things Your Broker Will Ignore – Part 3
Retirement at 65 is an outdated concept. It’s not unusual for older Americans to work longer or return to the workforce at 70 or older.
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5 Things Your Broker Wont Tell You – Part 2
Newbies to the retirement experience and those who aspire to retire within the next 3-5 years must seriously consider comprehensive financial and distribution planning to ensure the retirement income paychecks they require are realistic.
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5-Things Your Broker Will Ignore - Part 1
Investors mistakenly believe their financial partners are students of holistic financial planning.
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A Generational Dose Of Financial Reality
Financial wellness is difficult to achieve without steeled resolve for fiscal self-preservation and an endlessly skeptical nature about the information provided by mainstream financial media.
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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 (7 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.