The RICP® is the nation’s leading credential for building integrated and comprehensive retirement income plans. A key focus is understanding, choosing, and executing a sustainable retirement income strategy from available resources—whether that means using systematic withdrawals from a portfolio, building a retirement income floor with bonds or annuities, or using a bucket strategy.The program, developed by more than 45 of the nation’s top financial retirement advisors, provides RICP® credential holders with best practices in areas including:• Social Security claiming• Evaluating and addressing risks faced in retirement financial planning• Choosing distributions from employer sponsored retirement financial plans• Medicare and other health insurance choices• Planning for long-term care needs• Choosing appropriate housing• Retirement income tax and legacy planningThe American College of Financial Services is the premier educational institution dedicated to the development of financial services professionals. Graduates and designees of The American College of Financial Services have studied, passed rigorous exams, and proven that they not only have the technical knowledge to serve their clients, but have sworn to practice ethically and in the best interest of the people they serve.

The ChFC® professional is prepared with the essentials of financial planning, including insurance, income taxation, retirement planning, investments, and estate planning, Study areas include behavioral finance, financial planning for families with special needs dependents, small business planning, financial planning for clients in diverse communities, financial planning for divorce, and more.ChFC® credential holders have an in-depth knowledge in :• The financial planning process, including the role and responsibilities of a financial consultant• Risk management strategies, including mitigating the risks associated with insurance, human capital, liability, property, and wealth management• Income tax strategies, including planning for deductions, tax credits, capital gains and losses, taxation of life insurance, annuities, and partnerships, LLCs, corporations, and proprietorships• Retirement planning strategies, including choosing between and working with SEPs, SIMPLEs, IRAs, Roth IRAs, 403(b), and nonqualified deferred compensation plans• Investment strategies, including issues pertaining to return computations, diversification, securities markets, tax issues, portfolio management, and ethical practice• Estate and gift-tax planning strategies• Personal financial planning strategies• Specialized strategies, including aiding divorcees and blended families, financial planning for families with special needs, serving non-traditional families and LGBTQ clients, addressing the unique challenges associated with modern retirement income portfolios, and applying behavioral finance strategies as a chartered financial consultant

Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, and are not insured by bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. The bank and Peoples Financial Services is independent of Raymond James Financial Services, Inc. Investment advisory services offered through Raymond James Financial Services Advisors, Inc.For important disclosure information, please see “Social Media Disclosure” link in the “Contact Info” section.Raymond James is not affiliated with Public House Brewing Company.

With my business partner and long-time friend Josh Stacy, I've helped get Public House on the map for great craft beer and a great place to relax with friends.

We help individuals and businesses gain access to a wide range of investment solutions through our broker/dealer firm Raymond James.