Background and experience:

Ricardo is a dedicated financial professional who is passionate about assisting clients and helping them reach their personal and financial goals. He creates customized investment plans and develops wealth management strategies to help manage investment risk and simplify the overall retirement planning process. Ricardo believes his clients enjoy working with him because of his genuine interest in helping them succeed financially.

Ricardo began his career in January 2000 at Smith Barney and has been with Wells Fargo Advisors since September 2007.  Prior to becoming a Financial Advisor, Ricardo worked in Corporate Finance as a Sr. Financial Analyst/ Sr. Accountant. His combined work experience and educational background has proven to be an asset in understanding his clients’ needs and assisting them in reaching their financial goals. * Ricardo earned his B.A. in Anthropology and History from Franklin and Marshall College, a B.S. in Accounting from CUNY – Brooklyn College, and his MBA in Finance from St. John’s University. He also has earned the Retirement Income Certified Professional (RICP®) designation from The American College of Financial Services which is a certification for expertise in retirement income planning.

*Wells Fargo Advisors is not a tax or legal advisor.

Away from the office:

A native New Yorker, Ricardo and his wife, Annalai, reside in Manalapan, NJ.  They have twin daughters, Amelia and Olivia. Spending time with their young family is the top priority for Ricardo and Annalai. Ricardo enjoys watching sports, traveling, skiing, golfing and helping people grow personally and professionally through involvement in volunteer activities. He is connected to his local community by serving as Treasurer for the Manalapan Business Association and as President for The Foundation for Manalapan-Englishtown Regional Schools. He also enjoys connecting with students and alumni at his alma maters, Franklin & Marshall College and St. John’s University. Ricardo is a Trustee of Franklin & Marshall College, a member of the Board of Trustees Investment Committee and Vice Chair of the Franklin & Marshall Fund Global Steering Committee.

Through his previous service as a Mentor to the Allan Houston Legacy Foundation's Business Education & Development Program, he was honored as a recipient of the New York Mentoring Partnership Award. Ricardo was also honored to have been the recipient of the 2020 Alumni Development Volunteer Award issued by the Franklin & Marshall College Alumni Association Board of Directors as well as the recipient of the Sydney Bridgett ’51 award bestowed upon me by the Franklin & Marshall College African American Alumni Council in 2016.

Education

St. John's University     Jamaica, NY

MBA - Finance, January 2000

 

CUNY - Brooklyn College     Brooklyn, NY

BS - Accounting, September 1996

 

Franklin & Marshall College     Lancaster, PA

BA - Anthropology & History, May 1993

 

The American College of Financial Services

Retirement Income Certified Professional, RICP® , October 2024

 

Associations

Franklin & Marshall College Alumni Association Board of Directors (2007 - 2016)

President (2014 - 2015) Elected to Executive Committee (2012 - 2016)

Franklin & Marshall College Board of Trustees Term Trustee (2021 - Present)

 

Franklin & Marshall College Board of Trustees Alumni Board Trustee (2014 - 2016)

Franklin & Marshall Fund Global Steering Committee

Vice-Chair (2020 – Present)

Franklin & Marshall College Admission Network

Franklin & Marshall College African American Alumni Council

Franklin & Marshall College Alumni Greek Council President (2009 -2011) Vice President (2007-2009)

Manalapan Business Association Treasurer (2017 – Present)

The Foundation for Manalapan-Englishtown Regional Schools President (2025 – Present)

The Foundation for Manalapan-Englishtown Regional Schools Trustee (2018 – Present)

Phi Kappa Psi Fraternity (1990 - Present)

Phi Kappa Psi Fraternity, The Permanent Fund, Director (2024 – Present)

Lancaster County Alumni Association of Phi Kappa Psi President (2006 - 2010)

Allan Houston Legacy Foundation - - Mentor / Volunteer

 
CA Insurance License Number: 4008525. Resident State NJ.