During his 25-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.
Community Involvement and Support
- Angel Reach
- Interfaith of the Woodlands
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
- Accredited Investment Fiduciary®
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, including diversification and asset allocation.
*Private markets and alternative investments are generally considered speculative in nature and may involve a high degree of risk, particularly if concentrating investments in one or few alternative investments. These risks are potentially greater and substantially different than those associated with traditional equity or fixed income investments. The investment strategies used by certain Funds may require a substantial use of leverage. The investment strategies employed and associated risks are more fully disclosed in each Fund's prospectus, which is available from your financial advisor.
Diversification and asset allocation do not ensure a profit or protect against a loss.