About Richard M. Ringgold, CFP

Discover Your Best Retirement Options

 

Meet Dick Ringgold

 

I have a broad background in financial services in SW FL since 2000. I offer fee-based investment advisory services through Brookstone Capital Management, a SEC Registered Investment Advisor. I am an independent insurance agent licensed in health, life & annuities. I have education and experience in investments, wealth management, estate planning, retirement accounts, federal taxation, social security and asset protection in Florida. My goal is to provide financial advice and solutions that are in your best interests.

Contact Us

         FOR A FREE CONSULTATION

  • Morningstar Portfolio Risk Analysis

  • Social Security Optimization

  • Lifetime Income Planning

  • DROP & FRS Rollovers

Ringgold & Associates

1415 Panther Ln 

Naples, FL 34109

 

 

239-281-9561

​​CLICK TO EMAIL

DRinggold@BrookstoneAdvisor.com 

As both a Certified Financial Planner™ and an Investment Advisor Representative, I have pledged to only operate in the best interests of my clients.  This is actually the highest legal standard that exists for advisors, and is technically known as a “Fiduciary Standard”.

Others, stockbrokers and insurance agents, legally operate only under a “suitability” standard, where recommendations must simply not be detrimental to you, which can, and often does, create a conflict of interest. I do not believe that a recommendation simply being “OK” is acceptable or desirable. I believe that you deserve the best! Rather than focusing on products, incentives, sales quotas and proprietary offerings that benefit a firm, we focus on solutions designed for you. 

 

Advisors who hold themselves to a Fiduciary Standard can not offer "rule-of-thumb" advice because it may not (and most likely is not) in a person's best interest. Examples would be advice to always use a 4% portfolio withdrawal rate, or to always wait to age 70 to collect social security, or to always buy an annuity or a particular mutual fund company's offerings. I believe that an advisor has an obligation to explain why a recommendation is in your best interests.

 

Fiduciary duty legally extends solely to investment advisory advice and does not extend to other activities such as insurance or broker dealer services.  Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation. As a CFP, I have pledged to operate under a fiduciary standard in all areas of practice including insurance sales. 

I offer investments through Brookstone Capital Management LL C (BCM), a Registered Investment Advisor (RIA) regulated by the Securities Exchange Commission (SEC) on a fee basis and insurance as an independent broker on a commission basis. Thus, unlike a bank or brokerage employee, I am positioned to offer you a large array of investment and insurance offerings. 

 

My process is educational: to access your unique  situation and provide you with your best options in the areas that you need to make decisions. As a CFP, I have university training to provide advice in all of the area that you need to discover your ideal financial road map.

 

I graduated from the University of Texas at Austin with a degree in Mechanical Engineering and have worked in the petrochemical industry and as a business owner of a manufacturing and wholesale distribution company.

 

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© 2014 - 2016  Ringgold & Associates

 

1415 Panther Ln #308, Naples, FL 34105 | p: 239-591-6797 f: 239-591-6799 | dringgold@brookstoneadvisor.com

 

Richard Ringgold is an Investment Advisor Representative (IAR) with Brookstone Capital management, LLC, a Registered Investment Advisor (RIA) regulated by the Securities & Exchange Commission (SEC).  Ringgold & Associates is not associated with Brookstone Capital Management, LLC.  Past Performance of securities is not an indicator of Future Success.  Ringgold & Associates are not affiliated with or endorsed by the Social Security Administration or any government agency. Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional. Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional

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Certified Financial Planner Naples & Ft. Myers

Tactical Investments, Fixed Indexed Annuities, Life Insurance & LTC, IRA & 401(k)

Retirement Income, Estate Planning & Taxes, Social Security & Medicare

Contact Us

       FOR A FREE CONSULTATION

  • Morningstar Portfolio Risk Analysis

  • Social Security Optimization

  • Lifetime Income Planning

  • DROP & FRS Rollovers

Ringgold & Associates

1415 Panther Ln 

Naples, FL 34109

 

239-281-9561 (M)

​​CLICK TO EMAIL

DRinggold@BrookstoneAdvisor.com