During his 21-year advisory career, Richard Saldaña has earned the respect of his clients for designing tax-efficient, wealth management plans that incorporate strategies ranging from traditional investments such as stocks and bonds to alternative investments. Richard understands there is no optimal strategy that is right for every client, and his goal is to create stable returns without unnecessary risk.
Richard’s practice is diverse and consists of business owners, pre-retirees, retirees and international, Spanish-speaking clients. He also has experience guiding not-for profit entities and government organizations. Richard often advises firms about 401k and Defined Benefit Plans, and his recommendations are based on a thorough evaluation of many factors including the company’s tax situation and the owner’s personal retirement needs. Greeting each client with a smile and a handshake, Richard focuses on establishing deep relationships and, in doing so, better understanding those he serves.
Education and Certifications
- Stephen F. Austin State University, BBA Finance
- Series 7, 63 and 66 Securities Licenses
- Texas Life, Health, Annuity and Long-Term Care Insurance licenses
Professional Experience and Recognition
- Merrill Lynch
- Valic Financial Advisors
- Government Capital Securities Corporation
- Southwest Securities, Inc.
Raymond James does not provide tax or accounting services.
Investing involves risk and you may incur a profit or loss regardless of strategy selected.
Alternative investments involve specific risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. You should consider the special risks with alternative investments including limited liquidity, tax considerations, incentive fee structures, potentially speculative investment strategies, and different regulatory and reporting requirements. You should only invest in alternative investments if you do not require a liquid investment and can bear the risk of substantial losses.