Richard Paul, CFP®, CEPA® is a trusted Edward Jones financial advisor serving the Jacksonville region with specialized expertise in business owner financial planning and comprehensive wealth strategies. His dual credentials as both a Certified Financial Planner (CFP®) and Certified Exit Planning Advisor (CEPA®) demonstrate his advanced knowledge in both personal financial planning and business succession strategies.

As a CEPA® professional, Richard specializes in working with entrepreneurs and business owners who face unique financial planning challenges related to their business interests. He helps business owners develop strategies for business succession planning, exit planning, and wealth diversification outside of their business holdings. His expertise includes business valuation considerations, tax-efficient exit strategies, and planning for life after business ownership, ensuring that business owners can maximize the value of their life's work.

Richard's business retirement plan expertise includes designing and implementing qualified retirement plans for businesses of all sizes. He helps employers evaluate different plan options such as 401(k) plans, profit-sharing plans, SEP-IRAs, and defined benefit plans to determine which arrangements best serve their business goals and employee needs. His understanding of fiduciary responsibilities and regulatory compliance ensures that business retirement plans are properly designed and administered.

His comprehensive wealth strategies are designed for individuals and families with complex financial situations who require sophisticated planning to achieve their goals. Richard helps clients with concentrated wealth positions, stock option planning, tax-efficient investment strategies, and multi-generational wealth transfer planning. His approach addresses all aspects of wealth management, from investment selection and risk management to estate planning and tax optimization.

Richard's financial planning services include retirement income planning, where he helps clients develop strategies for creating sustainable income streams in retirement through careful portfolio management, Social Security optimization, and pension maximization techniques. He understands the importance of inflation protection and tax efficiency in retirement planning and works with clients to develop withdrawal strategies that preserve capital while meeting current income needs.

Estate planning coordination is another important aspect of Richard's practice, where he works with clients and their professional advisors to ensure that financial strategies align with estate planning objectives. His knowledge of wealth transfer techniques, trust strategies, and charitable giving allows him to provide guidance that helps clients achieve their legacy goals while potentially reducing estate taxes.

Located on San Jose Boulevard in Jacksonville, Richard's office serves clients throughout the greater Jacksonville area. His commitment to building long-term relationships is reflected in his thorough understanding of client needs and his dedication to providing ongoing guidance as circumstances change throughout their financial journey.