Richard Taborda, CFP®, CIMA®, RICP® is founder and President of LBT Wealth Management, LLC.Rick has an MBA in Finance and Entrepreneurship from Rutgers Business School, a certificate in Financial Planning from Fairleigh Dickinson University, and a BA in Economics from Rutgers, The State University of New Jersey. He began his career in the financial services industry in 1989 with Smith Barney where he developed his fundamental investment knowledge. After two years he left to pursue his passion for music, he spent the next twenty years as founder and President of New Image Entertainment, Inc., a successful mobile entertainment company. In addition, during that time he also helped to found and manage a commercial property management company, and a chain of convenience stores. The financial crisis of 2008 and the increasing complexity of investment products have left many investors overwhelmed with the task of managing their own portfolios. As a result, Rick returned to the financial services industry in 2010 to pursue his dream of building a life-centered financial planning practice committed to helping individuals and their families align their financial plans with their life goals. Rick has been authorized by the Certified Financial Planner Board of Standards (CFP Board) to use the CERTIFIED FINANCIAL PLANNER™ and CFP® certification marks in accordance with CFP Board certification and renewal requirements. The CFP® marks identify those individuals who have met the rigorous experience and ethical requirements of the CFP Board, have successfully completed financial planning coursework and have passed the CFP® Certification Examination covering the following areas: the financial planning process, risk management, investments, tax planning and management, retirement and employee benefits, and estate planning. CFP® professionals also agree to meet ongoing continuing education requirements and to uphold CFP Board’s Code of Ethics and Professional Responsibility, Rules of Conduct and Financial Planning Practice Standards.Rick has earned the designation of Certified Investment Management Analyst®.Investment & Wealth Institute authorizes use of the certification mark CIMA® to individuals who have met rigorous experience and ethical requirements, have successfully completed graduate level coursework, and have passed the CIMA Certification Examinations. CIMA designees also agree to meet ongoing continuing education requirements and to uphold the Institute’s Code of Professional Responsibility.Rick has also earned the Retirement Income Certified Professional® designation from The American College of Financial Services, Bryn Mawr, PA.The RICP® educational curricula is the most complete and comprehensive program available to professional financial advisors looking to help clients create sustainable retirement income. Individuals who earn a RICP® can provide expert advice on a broad range of retirement topics including income needs and objectives, estate issues and other risks to the retirement income planning, Social Security, health insurance and housing decisions, and income taxation.Rick lives in the picturesque waterfront community of Lighthouse Bay in South Amboy, New Jersey with his wife Sharon and daughters Liliana Belle and Isabella Vida. He is dedicated to providing holistic Financial Life Planning so his clients can increase their sense of well-being and life satisfaction. There are no account minimum requirements. He believes quality financial advice should not be made available only to the wealthy.