Richards Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Richards Financial Planning serves individuals and families who are approaching or in retirement, providing retirement income planning, comprehensive financial planning, and investment management. The firm also works with business owners and plan sponsors on employer‑sponsored retirement plans, offering plan selection, design, benchmarking, fiduciary support, and employee education.
The firm’s practice emphasizes retirement income planning and client education: it delivers written, stress‑tested retirement income plans, uses a structured planning process, and offers project‑based or hourly planning engagements alongside optional investment management. Many clients engage on a planning‑only or non‑discretionary basis, though the firm will accept discretionary authority for ongoing portfolio management when requested and applies disciplined asset allocation and rebalancing when managing assets.
Noteworthy aspects include the adviser’s long history as a licensed insurance agent and the firm’s transparent disclosure that insurance recommendations can generate initial and ongoing commissions, trail and renewal payments, and sales bonuses, with procedures intended to separate insurance sales from fiduciary advisory services. The combination of pension/retirement‑plan consulting, in‑person employee education and enrollment meetings, and a focus on fee‑based planning (with insurance sales disclosed separately) sets the firm apart from many peers.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Project-based fees for planning: Comprehensive Financial Plan $2,000-$4,000+; Retirement Income Plan $2,000-$3,500+; Specific Topic Planning $1,500-$3,000.
$0 - $250,000: 1.00% $250,000 - $1,000,000: 0.90% $1,000,001 - $3,000,000: 0.80% $3,000,001 - $5,000,000: 0.70% $5,000,001 - $7,000,000: 0.60% $7,000,001 - $10,000,000: 0.50% $10,000,001+: 0.40%
Insurance commissions ranging from 30-100% first-year premium for life insurance, 1-10% of purchase amount for annuities, plus ongoing trail, renewal, persistency, and production bonuses.
Professional services at $250/hour; paraprofessional services at $150/hour.
Main office
Houston TX
Advisors at this office
1
Most active in
Texas
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.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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