Rc Financial, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides financial planning and consulting services, covering financial, tax, retirement, education and investment planning. Its client work is directed toward high‑net‑worth individuals and business entities rather than mass‑market retail clients.
Services are typically delivered as one‑time or limited‑term engagements that culminate in a written plan, with fees charged on an hourly basis and periodic reviews provided under separate arrangements. The firm uses quantitative methods such as discounted cash flow (DCF/IRR), net present value and pro‑forma cash flow analyses to evaluate investments — including limited partnerships and start‑up opportunities — and does not offer discretionary portfolio management or charge percentage‑of‑AUM fees.
The adviser combines financial planning with affiliated tax preparation services and is licensed to sell insurance, while securities recommendations are implemented through a broker‑dealer relationship that can generate commissions and 12b‑1 trail payments. That blend of planning, tax preparation, insurance distribution and commission‑based securities implementation — with implementation routed through an affiliate rather than in‑house asset management — is a notable difference from many independent advisers.
Client services
Expertise
Fee options
Commissions earned on securities and insurance products purchased through Richard Colacino as a registered representative of Osaic Wealth, Inc.
Standard hourly fee up to $400 per hour for financial planning services
Fee-only: Standard hourly fee up to $400 per hour for financial planning services
Main office
Brooklyn NY
Advisors at this office
1
Most active in
New York
Also doing business as
Colacino, Richard · Rc Financial Planning · Rc Financial, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)