Richard Pratt - Financial Advisor

04/07/2026

Don't make the mistake of thinking you need to have everything together and fixed before you work with a financial advisor! That is like waiting until you feel better to go to the doctor, it just doesn't make sense

01/21/2026

Are we all settled into the new year yet?

Do you plan to make any changes to the way you managed your money last year?

11/13/2025

This is the sad truth unfortunately

Want to take action but not sure where to start? A Primerica representative could help: reps.primerica.com

10/02/2025

Did you know? In 2024, PA auto insurance premiums jumped up an estimated ~38% on average and homeowners insurance premiums leapt ~44% from 2021-2024.

When is the last time you shopped around for better prices? Schedule today and compare prices between 30+ top rated insurance companies.

09/03/2025

This might be controversial, but it needs to be said:
gofundme is not life insurance or an adequate replacement for it.

Obviously, no amount of money will ever replace a life. However, a proper term life insurance policy will be able to provide the income that your family relies on for a minimal monthly premium. The last thing that your loved ones should need to worry about in their time of grieving is whether they will be able to make their mortgage payment, rent payment etc.

Life insurance offers you a guaranteed, tax-free benefit that must be paid in a timely manner. No crowdfunding service can do this for you.

Primerica is covering over 5.5 million lives at this very moment and paid out an incredible $1.8 billion in death benefits in 2024, nearly $5 million every single day. What says even more about this company is that 92% of these benefits were paid within only 14 days after receiving the claim.

If you are looking for a company that truly cares about its clients and their families, look no further. Send me a message today 👇

07/07/2025

Proud to be able to help my clients in all of these ways!

06/10/2025

Trump promoted his "Trump Account" idea today, what do you think?

Babies born between 12/31/2024 and 01/01/2029 would receive $1000 deposited into a tax-deferred account controlled by one of the child's guardians.

If the account manages to follow the market average, it could grow to over $200k by age 62 without any other contributions.

Like we always say, time in the market is better than timing the market!

05/12/2025

Are you living paycheck-to-paycheck?
Are you feeling unsure or defeated regarding your retirement?
Do you have people who depend on you, but don't have life insurance or a will?
Do you feel like you may be paying too much for auto and home/renter's insurance?
Are you interested in becoming a financial advisor yourself?

If you said yes to any of these questions, reach out today!

I am here to support you and your family in your financial journey and your life.

05/05/2025

Concerns over recent domestic and international affairs are causing market volatility, leading some investors to change their approach. It’s important to remember that market volatility during times like this is normal. Stay disciplined and invest with your head and not the headlines for long-term success.

Bit.ly/PriInvestmentsDisclosures

05/01/2025

These are very good tips and exactly why I recommend the YNAB book and app to clients interested in taking charge of their budgeting and goalsetting.

10/23/2024

I'm often asked about resources for learning more of the ins-and-outs of investing and one of the best (besides scheduling a no-cost meeting with me for purely educational purposes) is Morningstar, Inc. 's Investing Classroom. Make an account and access a ton of information about everything investing for free.

Take advantage of our investing classroom to build financial knowledge with our self-study courses covering stocks, funds, bonds, ETFs and portfolio construction.