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Richard E. Reyes, CFP


I can provide answers to questions relating to retirement especially relating to; income distribution, tax efficiency, long-term care insurance, life insurance, estate planning, asset protection, variable and fixed annuities, alternative investments and prudent portfolio design.

Experience in the area

Through the years Richard has built a reputation as one of Central Florida's expert on retirement income distribution by providing sound, unbiased wealth coaching. We believe that Financial Planning is the problem and Wealth Coaching is the solution. The Wealth Coaching process gives you Peace of Mind, so you can stop worrying about your future. It helps you find happiness as it guides you in the TRUTH of investing, by teaching you how to make wise choices as you journey through your life’s stages. It is all about your relationships and what you value, not your net worth.


Seminole Success Magazine “Retirement Planning” Seminole Success Magazine “Small Business Snapshot” The Orlando Sentinel – Ask the Expert Financial Section (Various) Greater Orlando Broker Agent Magazine “The New It” Senior Market Advisor “Random Reader, Random Questions”


B.S. University of Florida, Gainesville, FL
CFP Certificate, University of Central Florida, Orlando, FL

What do you still hope to achieve/learn in this field?

Educating people about money and investing is my passion. I want help people seek to understand how money and investments works, and with this information allow them to seek true abundance in their lives.

Something controversial or provocative about this subject

The term financial planning is greatly misunderstood. The financial planning firms frequently parade celebrities in the media to endorse their products. These institutions promote market timing,stock picking,and track-record investing as the solution for peace of mind. In addition, financial planning software is used to perpetuate the sale of their products by using fear and greed as motivators.

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Mary08/02/16101010Thank you very much
robert12/08/15101010lightning fast! thanks for your thorough and .....
Linda10/12/15101010Thanks very much. That answers my question .....
Frank09/09/15101010Thank you for taking the time to .....
Jim05/05/15101010Mr. Reyes was quick on both my .....

Recent Answers from Richard E. Reyes, CFP

2016-07-18 Rolling over a 401k to a conservative option that is safe from market fluctuations:

Thanks for your question. I hope I can give you a little insight.     First and foremost I will tell you that this is usually not something you can do yourself. I have been in business over 18 years and

2016-07-12 Nuveen:

Thanks for your question. Hope this helps.     I am not certain what your complete situation is so I am only going to provide you my observation. It seems you have a lot of individual bonds that you want

2016-02-09 Retirement situation.:

Thanks for your question. In my 17+ years in this business I am often not that preoccupied with the past. I have met folks that are in a lot better position than you and folks that in a lot worse position

2015-12-18 social security file and suspend?:

The only claiming strategy that would make sense if you just had to do it would be a restricted application by your wife when she hits her full retirement age. She would be able to collect her spousal

2015-12-17 social security file and suspend?:

Thanks for your question. Social security could be very confusing especially with the upcoming changes that will take place within the next few months. I would run not walk to a Certified Financial Planner


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