RICHARD J. RIOS, CFP

Financial Advisor, First Vice President - Investment Officer

Biography

Background

I have been a financial advisor for 30 years and have worked at some of the largest firms on Wall Street. As a Financial Advisor who holds the CERTIFIED FINANCIAL PLANNER™ designation, my goal is to work with my clients to understand their entire financial picture and advise them, where applicable, on Investment Planning, Retirement Planning, Insurance Planning, Tax Planning Strategies, Estate Planning Strategies, Education Planning, Income Planning, and Liability Management.

Experience

• 2019 - Present : Wells Fargo Advisors, First Vice President-Investment Officer
• 2012 - 2019 : Ameriprise Financial Services Inc., Vice President-Financial Advisor
• 2008 - 2012 : Morgan Stanley, Vice President-Financial Advisor
• 1998 - 2008 : Wachovia Securities, First Vice President-Investment Officer
• 1992 - 1998 : Merrill Lynch, Financial Advisor

Planning

What matters most to you in life? It’s a big question. And it’s one of many questions I’ll ask to better understand you, your goals and your dreams. I may ask questions that other financial advisors won’t. Why? Because your vision of the future is unique and I’m committed to helping you achieve it.

My goal is to work with clients to put plans in place that span generations. I have clients geographically located across the country primarily because I had their parents or grandparents as clients first and currently work with the third generation of some families. I recognize that investment planning has a larger impact than just my current clients and work to build the confidence and trust that allows me to serve future generations.

Personal Background

I am married to my college sweetheart, Melissa, and have three beautiful daughters. I am an avid college football fan and enjoy hunting, fishing, sporting clays shooting, golf and snowboarding.


Investment and Insurance Products are:

  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
This information is intended for use only by residents of (AZ, CA, CO, CT, FL, GA, MI, NY, VA). Securities-related services may not be provided to individuals residing in any state not listed above.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

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