Tactical Investing & Why 

Considerations in Choosing an Advisor

Fundamentals of Investing

Services That I Offer

My Plan to Avoid Steep Market Losses

Richard M. Ringgold

• Certified Financial Planner (CFP)

• Fiduciary

• Work & Education Background

Lazy Money Concept & Alternatives

• Fixed Indexed Annuities

• Tactically Managed Equities

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Retirement Planning

• Income Planning

• Safe Portfolio Withdrawal Rate

• Social Security

• Medicare

• Savings

• Active vs Passive Investing