Setting The Investment Services Standard
Serving individuals and organizations, Philip L. Richardson, CFP, MS is a fully integrated financial planning firm. We stand on the side of our clients, working on their behalf to increase their portfolios and wealth. Federally registered, we place integrity and ethics at the core of everything we do. This is of course over and above our collective fiduciary standards and responsibilities.
​Collectively, we work for you and your interests - that is our bottom line.
Service-Oriented Financial Planning
Our Financial planning is unique in that it is focused on what YOU want to accomplish.  Unlike other financial planning strategies, our strategies don’t put your funds in never ending fee accounts, nor do your funds participate in market losses.
Investment Services
Social Security
​Income Planning
Retirement Planning
Tax Planning
Asset Protection
Medicare Planning
Why No Investment Fees?
Would you buy a house if you had to pay a lifetime annual fee to the broker who sold you your home?

That means you would have to continue to pay the real estate broker an annual fee based on the value of the home each year for as long as you live there.  Every time the home increased in value, you would owe a bigger fee to the broker.

How many people would buy a house this way?  I hope no one would.

Yet you do the exact same thing with your money.  You agree to put your funds into an arrangement where you take all the risk, yet your investment broker gets a never-ending fee year after year. 

At the Richardson Group we think it’s better for you if the Insurance Company pays us a onetime commission from their funds - not yours!

Why No Market Losses? 

​At the Richardson Group we decided 25 years ago to only use products that have guarantees of no market losses.    Your funds get part of the gains of the underlying index, for example the S&P 500, but you get none of the losses.  The insurance company can do this because they don’t invest your money in the stock market to begin with.  That’s why they can say you never get stock market losses.

Your fee advisor will not suggest these accounts since they don’t have never ending fees.
Income to Last Your Lifetime
After you retire, you should consider if other income streams, aside from your pension or social security, are necessary. Allow Philip Richardson to help identify your financial needs.
Social Security Taxes
If you receive social security, you may end up paying tax on 85% of your benefits. Don’t put yourself in this situation. Our tax firm will advise you on strategies to stay below the taxable thresholds and manage your other retirement income sources.
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Proven Strategies to Reduce Your Taxes
We can help you reduce your total taxes in the future if you have the following assets:
· Interest earned on CD’s
· Interest and dividends on other investments (mutual fund, etc.)
· Capital gains (you can still have a capital gain even if you’ve lost money)

Take the next step

For more information about any of our products and services, schedule a meeting today or register to attend a seminar.
Call our office: (717) 394-0840
Email: info@financialadvisorlancaster.com
Address:​ 450 Murry Hill Drive
Lancaster, PA 17601
The information provided herein is the exclusive property of The Richardson Group. This material has been prepared for informational and educational purposes only. It is not intended to provide nor should be relied upon for accounting, legal, tax, or investment advice.
© 2020. The Richardson Group.