Rick Friend CFP® - Financial Planning, MetLife Insurance Representative, Investments, Retirement Planning, Estate Planning, Tax Planning
Rick Friend, CFP®

Financial Planner/ Financial Service Representative, CA Insurance License # 0681469

Welcome!

My mission as a financial planner is to help you build and protect your most valuable assets using a wide array of financial products structured around your core beliefs, needs, and goals. I assist those who are interested in developing and implementing their financial plans with a talented team of professionals and associates backed by one of the largest financial institutions available.

Please take time to look around this site. I recommend visiting the learning section where you can find articles, newsletters and other information regarding your financial future. Keep checking back for updated newsletters each month. I look forward to working with you!

I am licensed and registered to offer products and services in [California]. Licenses and registrations will vary by representative and some representatives may be licensed and registered in additional states. Please contact this office for further information.

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Newsletters

Our financial newsletters are designed to provide helpful information on a wide variety of financial topics.

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Learning Center

A library of tools to educate you on a wide variety of financial topics.

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Financial Calculators

Tools to help you estimate answers to common financial questions.

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Calculators

Financial IQ Test

Take this quick quiz to find out your Financial IQ

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

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Newsletters

Tips for Surviving the Estate Tax

The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy.

Protecting What May Be Your Most Valuable Asset

Statistics indicate 43% of 40-year-olds will suffer at least one long-term disability (lasting 90 days or longer) before age 65. Disability income insurance could help protect your most valuable asset: your ability to earn an income.

Using a Variable Annuity for Guaranteed Income

One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.

Exchange-Traded Funds: In a Class by Themselves

In 2010, the combined assets of the nation's ETFs topped more than $800 billion. ETFs are unique investments that share some similarities with mutual funds but trade like stocks. ETFs have some appealing characteristics, including trading flexibility, potentially lower expense ratios, tax efficiency, and diversification.

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