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Richard Friend, CRPC

You have to PLAN if you want to make the most of what you have!

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Advisor Services

  • Financial Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Long-Term Care Insurance
    • -Annuities


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

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No timeline events available.
Employer Years Dates
Foresters Equity Services, Inc 6 years, 6 months Oct 2013 - Present
Cadaret, Grant & Co., Inc. 2 months Aug 2013 - Oct 2013
Bridge of Penn York Church 1 year, 10 months Sep 2011 - Jul 2013
Uvest Financial Services Inc. 2 years, 8 months Jan 2009 - Sep 2011
Fortune Financial Services Inc 1 year, 7 months May 2007 - Dec 2008
Axa Advisors 2 years Dec 2005 - Dec 2007

Designations & Memberships

  • Chartered Retirement Planning Counselor
    Chartered Retirement Planning Counselor
    The CRPC Program focuses on the pre- and post-retirement needs of individuals, allowing you to transform the retirement planning process into a positive experience.

Articles and Answers

Insights by Richard Friend

Cut Your Tax Bill... with an H S A
Published 2015-02-11 07:26:54
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    I left my job with money in a Roth 401k, can I roll it to a Roth IRA? I only had the Roth 401k for 3 years."?
    Peter, at the risk of confusing you, I would like to offer some clarification. First, definitions: Roth plans are "pay me now". You get no initial tax benefit- you pay the tax on the income- but all the growth, and qualified withdrawals, will be tax-free. Traditional plans are "pay me later": you ...  (more)
    Answered Nov 2014
    Im looking for an old 401k plan i had over 5 years ago. 3 w's and a h... who what where and how to retrive funds.
    Bobby, the good news is that your money is safe and waiting for you at the plans' Custodian. Do you have any paperwork at all from the old 401k- a statement for example? Do you still know anyone else who worked there who might have more information about where the 401k was located? Once you find the...  (more)
    Answered Nov 2014
    I would like to buy a home, can I get money out of my 401k for this and if so how do start?
    Hello Mike,I concur that the 401(k) loan is probably the better of the options. Check with HR before you get too far ahead of yourself, though, because every plan document is different and your 401(k) may or may not allow loans. Also, beware that you probably will not be able to borrow more than 50...  (more)
    Answered Jan 2015
    Should I invest in life insurance?
    Darren, this is a great question, that many people have wondered about. Life insurance salesmen can make insurance sound SO amazing, like it is the only retirement plan you could ever want or need. And indeed, life insurance is a sound purchase for several reasons. So is it good alternative to an ET...  (more)
    Answered Apr 2015
    If I purchase a retirememt home as a secondary home, would the first buyer home credit still apply?
    Edwin, you may be referring to "exclusion on gain of sale". This is a feature of the tax code that allows many homeowners to recognize a gain on the sale of their home, without having to pay any tax on that gain.Most homeowners will be able to make a profit of as much as $250,000 on the sale of th...  (more)
    Answered Apr 2015
    I am working (age 70.5 12/30/14). Not required to start min req withdrawals (correct?)?
    Hello John from Fredericksburg,With regard to your questions about taking money out of your plan: Since you are age 70, you certainly should be able to withdraw any amount of money that you wish from your 401(k), without penalty. In fact the IRS is hoping that you will begin withdrawing, because as...  (more)
    Answered Dec 2014
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
        Not registered
      • disclosures
      • as of date
        Dec 1, 2015
      • license status
        Not registered
      • disclosures
      • as of date
        Dec 6, 2016
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      There are no assets to display at this time.


      Types of Compensation Arrangements