Richard J. Ward, CFP, First Vice President/Investments - Stifel

Richard J. Ward, CFP, First Vice President/Investments - Stifel Comprehensive Financial Services, Wealth Management I generally work with two types of people. After hours by appointment only. Stifel Financial Corp.

With more than 35 years’ experience, I understand that successful people have little interest in the traditional idea of retirement, which is where they give up what they've done, loved, and been good at for many years, and instead are put out to pasture, become irrelevant, and start down the path of decline. I also understand that accomplished people can find great rewards in these years when the

ir purpose has shifted to making a difference in the lives of others. As a financial advisor, I focus on helping successful people pursue the many opportunities for significance in their second halves, as they become engaged as contributors who change lives for the better. First are those who've planned well and feel secure, but who are wondering if there is more for their future or if they don't need a higher level of guidance. The second are those who, understandably, haven't wanted to consider this dismal, declining future, or who haven't found good help to pursue a better alternative. These are often Baby Boomer business owners or executives considering a transition out of the business world but are not sure what's next. It could also be mid-career people who just want to get started planning for their future. I help them explore the opportunities for significance in the second half of life, and provide the planning and other financial services to turn these opportunities into reality for themselves, their families, and the causes they care about. If you'd like to learn how to find significance for your second half, shoot me a message. and its affiliated companies (“Stifel”) reserve the right to retain, monitor, and reproduce all electronic communications consistent with applicable law. is the parent company of Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE. Stifel will not accept purchase or sales orders via LinkedIn, Facebook, or any electronic messaging systems. The comments, postings, or views expressed are my own and do not necessarily reflect that of Stifel. Stifel is not responsible for content posted by third parties. Statements and messages are for U.S. residents only and are subject to the following terms: www.stifel.com/disclosures.

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Focused on finding investment gems? Contact me for a different approach.

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Do you have to own the "hot stocks"? How about a more consistent strategy of owning the broad economy to benefit from the "hot" sectors?

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The cognitive science of caregiving can explain why it’s so important to exchange presents for the holidays, even if it can be a chore.

Do you know what you can afford to donate to your favorite causes in retirement, and which assets to use? Contact me fo...
12/11/2023

Do you know what you can afford to donate to your favorite causes in retirement, and which assets to use? Contact me for help.

On the one hand, we’re grateful for the lives we have, and we want to give back. But it feels different without a paycheck.

Are you aware of the benefits to seniors of giving back?
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Are you aware of the benefits to seniors of giving back?

This article focuses on persons 65 and older and how best for them to engage in charitable giving.

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Including one or more charitable trusts as part of a testamentary estate plan is a creative and powerful way for clients to achieve multiple goals in one estate planning vehicle. Such goals may include donating assets to charity, tax-efficiently transferring wealth to children, and reducing (or even...

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This holiday season, will you have a meaningful conversation with your family regarding your approach to philanthropy?

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Do you understand the benefits of donating a life insurance policy to your favorite charity?
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Do you understand the benefits of donating a life insurance policy to your favorite charity?

The primary purpose of life insurance is to provide a safety net for those who depend on you financially. The life insurance death benefit that is paid to your beneficiaries can help them cover daily expenses, debts and even future costs such as college tuition. A life insurance policy also can a

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Effective financial advice requires five financial qualities. Here’s how artificial intelligence stacks up.

Are you taking steps to minimize taxes? Contact me for help before year end.
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Are you taking steps to minimize taxes? Contact me for help before year end.

There are ways to lower your taxable income for the year. But not if you don’t do them.

Not sure your investment strategy will deliver? Contact me for help.
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Not sure your investment strategy will deliver? Contact me for help.

Higher interest rates and inflation are upending millions of Americans’ retirement planning. The classic 60-40 stock-to-bond ratio isn’t cutting it anymore.

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20 Pacifica, Suite 1400
Irvine, CA
92618

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