Ringgold & Associates

 We Can Help You

Expert Money Manager, Naples FL

Create a Financial Roadmap 

 

We can develop a plan that coordinates all aspects of planning for pre-retirement and retirement:

Social Security, Medicare, Investments, Cash Flow, IRAs, LTC, Estate, and Taxes

 

In fact, as a Fiduciary, I must address all of these issues to ensure that each element of your overall plan is coordinated and in your best interests. By inspection, any advisor who does not consider all aspects of your plan cannot be acting in your best interests.    

 

As a Certified Financial Planner™, I have formal university training in retirement planning, federal taxation, insurance, investment management, financial planning and estate planning. As both a CFP® and an Investment Advisor Representative (IAR), I operate under a strict Fiduciary Standard and in your best interests at all times, as opposed to a lesser “suitability” standard used by stockbrokers and insurance-only salespersons.

 

I have organized a hybrid practice because you may have both investment and insurance needs. I believe that you are best served by an integrated solution rather than a loose patchwork of plans possibly working at cross purposes. This approach is specifically designed to avoid conflict of interests that single purpose insurance-only salespersons, commission stockbrokers, and fee-only investment advisors inherently have as a natural result of their business model.

 

For more information, go to the On Demand tab and listen to EPISODE #16 - Great Questions to Ask Your Financial Advisor

 

On the investment side, I operate on a fee-only basis as an Investment Advisory Representative (IAR) through my Registered Investment Advisor (RIA), Brookstone Capital Management LLC and custody all assets with TD Ameritrade Institutional.

 

I can offer you a large array of investment options, not just stocks, bonds, and proprietary products. We have modern technology and tools available to manage your portfolio and limit drawdowns in bear markets.

 

We provide solutions to your problems rather than products to satisfy sales quotas.

 

I am an independent insurance agent looking out for your best interests, not a captive agent working for a single carrier. I use only A.M. Best "A" rated insurance carriers that I have carefully chosen considering the competitiveness of products, business practices, and ownership. Insurance agents are compensated by commissions paid by the carrier. 

 

What to bring to the first appointment:

  • Investment and savings statements: 401(k), 403(b), 457, and like retirement accounts • Brokerage and stock portfolios • Annuity contracts • Traditional and Roth IRAs • Non-traded investments

  • Institutional statements: Checking, savings, CD, money market accounts

  • Social Security Statements

  • Asset/budget/debt information (download under "Cash Flow Management")

  • Last year's tax return

 

Take control of your financial future and call me to discover your  Roadmap.

 

Contact Us

         FOR A FREE CONSULTATION

  • Morningstar Portfolio Risk Analysis

  • Social Security Optimization

  • Lifetime Income Planning

  • DROP & FRS Rollover

Ringgold & Associates

1415 Panther Ln 

Naples, FL 34109

 
239-281-9561

​​EMAIL

DRinggold@BrookstoneAdvisor.com 

 

 

© 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