RM Financial Planning

Rick has always been one of a rare breed of professionals being both concise and very clear both with his clients and with his clients' professional advisors. This website is a continuation of Rick's philosophy of openness forthrightness and simplicity in an often foggy and misunderstood industry. Rick has the rare ability to speak to both the layman clients and their professional advisors.

Rick is an extremely knowledgable professional and helped me to understand my needs, especially as a self employed professional for more than half my life. Living benefits were a new concept to me and Rick helped me to understand where they fall in terms of importance for ensuring my family and I are safe, covered and don't need to worry. We KNOW we will be OK, no matter what might happen. Thank you so much for sharing your time, energy and deep knowledge in insurance, filling gaps in insurance and protecting my family.

Rick is a true insurance professional, who puts the interests of his clients first. I have recommended him to a number of my friends and colleagues without hesitation, knowing that Rick would provide them with honest and competent advice.

When I started the process of looking into life insurance, as well as accident and sickness insurance I didn’t know where to start like most people. Rick took the time from the very beginning to review my needs thoroughly and then discussed the various options, benefits and relative costs. The application process required some back and forth communication between myself and the underwriters and Rick didn’t hesitate to insert himself into the process and go-to-bat for me. Not all insurance brokers are equal - Rick goes out of his way to ensure you are educated on the products and that you are getting the best coverage for the cost. I’ve engaged Rick’s expertise on a number of occasions and wouldn’t hesitate to recommend him to anyone looking for health, accident or life insurance. If you are thinking about getting new insurance or adding to your existing coverage I highly recommend giving him a call.

I have known Rick for more than 20 years and have become friends. His wealth of knowledge and his ability to listen to you and recommend what is best for you and your families future. I highly have recommend Rick to my friends and family.

I have known Rick for a very, very long time. Close to 30 years.Rick is an even keeled, patient and honest fellow. He knows his business and he knows his products. Rick has never applied pressure on me or my family when selling insurance products. Needless to say, he is always a pleasure to work with.Although the years have passed and many things have changed over time, Rick has always remained dedicated to providing useful and relevant product information and options.If Rick offers to fill your insurance needs, you can rest assured that he’s truly interested in fulfilling those needs and capable of providing appropriate and reasonably priced products.Thank you Rick for your valuable services over the years!!!

I have known Rick for many years. In that time, he has been professional and straight forward. He provides clear advice detailing the necessary information that you need to make an informed decision.I would have no qualms in recommending Rick to my friends.

Dealt with Rick, very knowledgeable, professional & friendly. When I first called in, I had no idea about life insurance and accident/sickness insurance, but thank god I found Rick. He pointed out to me the importance of Living Benefits and made a complicated product, easy and understandable, which made the process enjoyable. I now know, I will be okay. Thanks for your time and fun chats Rick!

I have worked with Rick since 2014. He is very passionate and dedicated to helping his clients get the best possible solution that fits their needs. He is determined and knowledgeable and has many years of experience in the industry. I would refer him anyone that I know as I trust they are in very good hands with Rick.

Being young some don’t think of living benefits and income replacement insurances. We never think it’s going to happen to us. Unfortunately we have to think of the worse. My boyfriend and I found Rick from a referral. Rick is very knowledgeable and professional at the same time down to earth and super friendly. Rick educated us on living benefits and how important it is. We had many questions and he was able to answer them. I wouldn’t hesitate to recommend Rick. Awesome job!!! And yes cartoon Rick was a plus.