Richard is a 1986 graduate of the NYU School of Business with a degree in Finance and International Business. Upon graduation Richard tried his hand at small business. Over his 30-year career he has owned and run several small businesses some of which he still owns today. It is this experience that makes him uniquely qualified to help educate others in planning for retirement.

He found himself in a position of being successful in business but not addressing the issues regarding retirement planning. It was through this journey into his own exploration for knowledge that he realized how much he had help others with the same challenges. He became licensed to sell Life Insurance and annuity products. With his financial education, his 30-year business experience and his wanting to help others, he started The Future Years Inc. with his partner Lynn Socci. Together they are educating others about planning for their retirement. Richard is excited to educate people in how they can retire stress free with the correct annuity or life insurance product to create income for life based on their individual needs. Richard is a father of two boys 11 and 13 residing in Towaco New Jersey