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Richard Reyes

Retirement, Investing, Taxes
“Richard Reyes, The Financial Quarterback™, provides sleep well at night solutions for retired and near-retired individuals through comprehensive retirement plans customized to each client’s needs.”

The Financial Quarterback™

Job Title:

The Financial Quarterback™


Years ago Richard Reyes was working diligently doing his job as an investment advisor, wealth manager, or financial planner (he was never sure what to call himself back then). As far as he understood it, his job was to search for investments that would generate above average returns for his clients. That’s what the entire industry was built on and really, that’s what clients thought they hired him to do. Now think about this for a moment…the entire industry is based on the idea that their job is to find the best investments, and in the process, they are “killing the investor” and keeping YOU from meeting the challenges of being able to retire and stay retired.

When Richard realized these implications, his entire job and mission changed. He realized that investment success is not at all about skill—it is about having a process, a plan, and good behavior. Financial planning does not end nor begin with the words, “Buy, Sell or Hold.” His real job and passion is to help YOU create sleep well at night solutions in order to not only help you retire, but to make sure YOU stay retired.

Richard received his formal education at the University of Florida and completed the Certified Financial Planner Professional Education Program at the University of Central Florida. In addition to his professional qualifications, he is active in the local community and have served in ministries, associations and community organizations. He is frequently asked to speak and teach workshops on various financial topics to corporate groups, individuals, professional organizations and business owners.

He has contributed in authoring portions to the following books titled The Dirty, Filthy Lies My Broker Taught Me and 101 Truths about Money and Investing, The Complete Guide to Investing in Annuities, and The Mutual Funds Book and have been published in various magazines, newspapers, and local television such as Fox 35, Real Estate Broker Agent, Senior Advisor Magazine, Seminole Success, Orlando Business Journal, and Central Florida Business, Wall Street Journal, BankRate.com, and various others.

Richard is married to a fabulous wife, Marcia and have two wonderful boys. Lastly, they make their home in the #1 city as named by Money Magazine – Lake Mary, Florida.


BS, Construction Management, University of Florida

Assets Under Management:

$1 million

Fee Structure:



Copyright The Financial Quarterback™ • CFP ® CERTIFIED FINANCIAL PLANNER ® and the CFP symbol are marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP™ Boards initial and ongoing certification requirements. Investment advisory services offered through Wealth and Business Planning Group, LLC., A Registered Investment Advisor. Wealth and Business Planning Group, LLC [The Financial Quarterback™] is a Registered Investment Advisor in the State of Florida which offers Fee Planning and Asset Management. Annuity and Insurance services offered through Wealth and Business Planning Group, LLC [The Financial Quarterback™]. Depending on your state of residence, Wealth and Business Planning Group, LLC [The Financial Quarterback™] may not be able to immediately provide services. Use or viewing of this site acknowledges that you have read, understand and will abide by our terms of use, legal notices, and disclaimers.

  • Richard E. Reyes, CFP Retirement Florida - Let me tell you what we do
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Should I subscribe to a stock advice newsletter?
100% of people found this answer helpful

Thanks for your question and hopefully I can give you a little help.

The financial industry is full of carnival barkers peddling their "stuff". If stock pickers and newsletter writers knew which way the markets were going why would they want to share that with you? Because you will pay them $300 a year. Which is a lot more than they will make from their stock picks.

Educate yourself on how markets really work. Educate yourself on how to properly plan for your retirement in the most tax efficient manner. Find a Certified Financial Planner who works on a fee to formulate a plan and purchase a globally diversified portfolio of low-cost index funds/ETF's. Don't get fancy. Believe me your risk adjusted return over time will be more than all newsletters combined.

Richard E. Reyes, CFP, The Financial Quarterback (TM)

May 2018
    Military / Veterans, Estate Planning, Investing, Real Estate
Can I invest in real estate while young and in the military, and if so, how can I manage my investment while deployed?
100% of people found this answer helpful
May 2018
    Debt, 401(k)
Can I withdraw $25,000 from my 401(k) without incurring a large amount of penalties?
57% of people found this answer helpful
January 2018
    Real Estate, Insurance
I'm disabled and my primary residence is threatened with foreclosure; am I eligible for a hardship withdrawal to purchase an RV as our primary residence?
50% of people found this answer helpful
January 2018
    Debt, Real Estate, End of Life
If one of two owners of a home passes, will the surviving owner have to qualify for a new mortgage?
50% of people found this answer helpful
July 2018