Rick Havard, Financial Advisor

07/07/2026

Oh but I get shutdown for talking about social security.

06/09/2026

06/08/2026

Yes. I can tell when you've been to a financial steak dinner seminar.

Over the years, I've had clients leave for another advisor's promises and later come back — because they missed the method.

My general practice is simple: if you want to take an account I've built over to someone else, take it all. It just doesn't happen very often.

Retirement income planning is different, though. It's delicate, it's long-term, and it doesn't work with two chefs in the kitchen. So when it comes to income, I'd rather part ways amicably — no matter how much I love the client — than try to coordinate around someone else's plan.

The market for retirement services is growing so fast that I don't have to share. I'd rather do it right for the people who want me running it, than do it halfway for everyone.

That's the standard. It's served my clients well for three decades.

06/03/2026

Pragmatism.

06/03/2026

Not too shabby for a fellah who wears his cowboy hat backwards

The valuation would make Elon Musk's company the seventh- biggest in the U.S. and above Tesla, which has a market cap of about $1.6 trillion.

05/27/2026

Over the next two decades, an estimated $10 trillion in business assets will change hands as Baby Boomer business owners retire, with a concerning trend: merely 30% of small businesses achieve successful sales, while approximately two-thirds of family-owned businesses lack a formal succession plan.

05/10/2026

That’s funny.

Dave: “Hello caller, you’re on the air.”
Caller: “I put all my emergency savings into an investment.”

Dave: “Oh no. How much did you lose?”
Caller: “It made $5m in 37 months.”

Dave: “Well you got lucky.”
Caller: I converted my 401k into a similar investment & borrowed $8M.”

Dave: “that’s the most irresponsible thing I’ve heard.”
Caller: “It’s worth almost $20M and cash flows to me at $80,000 a month.”

Dave: “That’s speculation.”
Caller: “I sold my house and used all the equity & borrowed another $15M to do the same thing.”

Dave: “What is wrong with you?”
Caller: “Dave the investment is worth $250,000,000 and I’ve refinanced it twice returning all my equity plus $100M, tax free.”

Dave: “How many times have you heard me say, “All debt is bad debt?””

Caller: “Dave I started raising money from friends, family & customers and now I am doing it for them.”

Dave: “Partnerships are risky.”
Caller: “Dave I have 20,000 investors & sent out $100m in cash to them last year.”

Dave: “Who are you?”
Caller: Grant Cardone, CEO of CardoneCapital, $5B of real estate holdings, $2.2B in debt & free cash flow of $112M annually.”

Dave: Hangs Up

02/28/2026

Ok. Short time line here. Looks like Iran is getting a reset and that at the pentagon AI was interfering shortly before on action planning and the vendor was rebuked. Is that what you are seeing?

01/20/2026

Hey look some volatility.

A lot of folks were saying the market was calloused on Friday.

Still not quite to 23 on the VIX.

I’m starting to get ready

However if you’re 5 years out from retirement you had better educate yourself on your biggest risk asap.

If you don’t know what your biggest risk is this close to your exit we should talk.