Richard M. Smarg is founder of Retirement & Insurance Resources – Stockholder Member Firm of the M Financial group, based in SW Florida – and founder of Advisors Trust Planning and Investment Company.

Richard earned his B.S. in Economics (UNH). He is an Investment Advisor Representative (IAR), Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), Chartered Advisor for Senior Living (CASL) and a Registered Representative offering securities through M Holdings Securities.

Favorite Quote: “Out of intense complexities, simplicities emerge” (Sir Winston Churchill)