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​Riche & Associates
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Financial Planning

Let's protect your financial future. Speak with our financial experts about available solutions for savings, retirement, investments and more.

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Retirement Planning

Proper planning is key – whether heading towards retirement or already retired. In the beginning of your career, your goal is accumulation, but the closer you are to retirement, the more your mindset should move towards preservation.

Wealth Accumulation

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Wealth Preservation

What is Your Goal?  Safety & Growth

Everyone wants safety and growth for their nest egg.

The problem?

  • The stock market provides growth, but at a high risk.
  • CDs provide safety, but have low returns.
The solution?
  • Fixed-Indexed products provide growth-based on stock market returns AND are guaranteed safe – never lose a single penny!

Historical Performance of the Stock Market vs. Our Fixed-Indexed Annuity

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What is Your Goal? Guaranteed Income for Life

Back in the 1980s, the average retirement lasted about 10 years. Today, however, many retirements are going 15 to 30 years. This means your money needs to last a lot longer, resulting in a new worry: the fear of outliving your money.
  • Get a fixed amount coming in ​every month for as long as you live.
    Or include a spouse and the fixed amount will continue as long as one of you is alive.
  • Start-up bonuses ranging from 6% to 45% are added to your income principle to get you the largest income stream possible.
    Let us shop around for you. We can compare multiple, top-rated companies to find you the highest income available to you.
  • No annuitization needed.
    This means that your beneficiaries will inherit any remaining funds – NOT the insurance company. Your hard-earned money should stay with your loved-ones.
  • Start your income stream when you’re ready.
    Start getting your monthly deposits next month or let it grow for a few years until you need it.
For more information about the retirement planning services that we provide for individuals and households throughout Florida

I want to schedule a phone consultation now!
(904) 417-8236​
Palm Coast, FL 32164
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What is a Financial Planner?

A financial planner or personal financial planner is a professional who prepares financial plans for people. These financial plans often cover cash flow management, retirement planning, investment planning, financial risk management, insurance planning, tax planning, estate planning and business succession planning for business owners.

Financial Products

Here are a few of the financial products we assist clients with:
  • Annuities - Fixed Annuities, Fixed Index Annuities, Income Annuities, Annuity Living Benefits
  • IRAs - Rollover IRAs, Traditional IRAs, Roth IRAs, IRAs for Spouses, SEP IRAs, SIMPLE IRAs
  • Life Insurance - Term Life Insurance, Universal Life Insurance, Indexed Universal Life Insurance, Variable Universal Life Insurance, Survivorship Life
  • Workplace Retirement Plans - 401k Plans, 401a Plans, 403b Plans, 457 Plans, SEP IRAs, SIMPLE IRAs
  • College Savings Plans - 529 Plans, Coverdell Education Savings Plans, UGMA and UTMA Custodial Accounts
  • Employee Benefits Plans - Critical Illness, Accident Insurance, Group Life Insurance, Group Disability Insurance.

You may or may not qualify for all or any of the options above. The best way to find out your best options is to schedule a free consultation with our financial specialists today.

Licensed in Florida and Georgia


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Riche' & Associates
Palm Coast, FL 32164
(904) 417-7121

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