John E. Richardson JR., CPA, CFP®

WHY I HAVE CHOSEN A CAREER IN FINANCIAL PLANNING:

I am a native South Carolinian who relocated to San Diego in 2000.  I am the son of depression era parents who instilled in me a strong work ethic.  I counsel my clients to live below their means, eliminate consumer debt, continually save and invest, diversify their investments and insure those assets that they cannot afford to lose.

I began my career in public accounting at Price Waterhouse in 1983.  After obtaining my CPA, I moved into private industry holding several positions as assistant controller and controller for several large privately owned and publicly traded companies.

In 2000, I moved to San Diego and began a financial planning practice.  I chose to utilize my financial background and expertise to help individuals and families make informed decisions about their finances.  I wanted the opportunity to help people answer pressing questions such as:

  • When will I be able to retire?
  • How much is enough to retire?
  • How much do I need to invest each year to be able to retire?
  • How should I invest my money?
  • How much can I withdraw each year from my retirement accounts without running out of money before I die?
  • What type of insurance coverage do I need in case I get sick or die?
  • How can I plan my estate so I can give generously to causes I care about and not run out of money before I die?
  • How can I do all this and minimize my tax liability?

MY FAMILY AND I:

When I am not working, I enjoy spending time with my wife Holly, family, and friends.  I also enjoy riding my bicycle, swimming in the ocean, and serving at church.

PROFESSIONAL CREDENTIALS & LICENSES:

  • Certified Public Accountant (CPA)
  • CERTIFIED FINANCIAL PLANNER™ Professional
  • Life, Health, Disability, and Long Term care insurance license # 0D94478

EDUCATION:

  • B.S in Accounting – Clemson University