Richard Kass is a CERTIFIED FINANCIAL PLANNER™ professional who has over 20 years experience in the industry. He is also a Registered Representative, an Investment Adviser Representative®, of Commonwealth Financial Network®, and a Managing Partner of KBK Wealth Management, LLC.Richard is also an ACCREDITED INVESTMENT FIDUCIARY®, the industry standard accreditation for excellence and stewardship in the management and care of foundation assets, pension plans, 401K's, educational and non-profit endowments and other qualified monies. Richard was an early practitioner of comprehensive financial planning and has been a CFP® in good standing since 1989. He specializes in personal retirement planning and portfolio design and implementation for individuals, pensions and estates with an emphasis on risk minimization and total return. Richard is actively involved in industry groups to promote continuing education and high standards and ethics, including memberships in the Financial Planning Association and the Institute of Certified Financial Planners. Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. This communication is strictly intended for individuals residing in the states of (AZ,CA,CT,DC,DE,FL,GA,IA,IL,LA,MA,MD,ME,MI,MT,NC,NH,NJ,NM,NY,OH,PA,PR,SC,SD,TX,UT,VA,VT). No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. Securities and advisory services offered through Commonwealth Financial Network®, Member www.FINRA.org/www.SIPC.org, a Registered Investment Adviser. KBK Wealth Management, 28 West 44th Street, New York, NY 10036. 212-944-8501. Please see our Terms of Use here: www.commonwealth.com/termsofuse.html