Insight-based advice

Richard is a Senior Vice President-Wealth Management in the Northfield, NJ office, with over 45 years of experience in the field of financial services.  Richard joined UBS Financial Services in 2008 and was previously a Vice President and Financial Advisor at Merrill Lynch from 1995 until 2008.  Richard started his career on the accounting staff at Price Waterhouse & Co. and several years later became a founding partner of Bernstein, Cohen et al, Certified Public Accountants, where he was responsible for the firm's tax practice. He is a member as well as past president of the New Jersey Society of CPA's, Atlantic-Cape May Chapter and is a member of the American Institute of CPA's.

Richard earned a Bachelor of Business Administration from the George Washington University, majoring in accounting and an M.B.A from the New York University Stern School of Business with specializations in both quantitative finance and finance. As a Certified Financial Planner (CFP®), Richard's emphasis is on his client's comprehensive financial needs and integrates investment strategy with appropriate risk tolerance, tax efficiency and both short term and long term goals. Richard's background is uniquely suited to coordinate financial planning and implementation with his clients' advisory team and works closely with tax advisors, attorneys and pension consultants.

Richard's community involvement has included positions as past president and chairman of the board of Seashore Gardens Living Center, a 185 bed, 200 employee non-profit nursing and assisted living facility located in Galloway Township, NJ where he remains on the board of directors. He is currently president of Seashore Gardens Foundation. He also serves on the Philadelphia Regional Board of the Anti-Defamation League.

Richard's interests include boating, skiing, golf and martial arts in which he holds a 3rd degree black belt in Hapkido as well as a black belt in Tae Kwon Do.