I’m Richard moravek

Financial Advisor

Financial Protection When You Need It Most

Tax Strategies, Risk Management, and Wealth Maximization

In Collaboration with your CPA, my team and I, through our Virtual Family Office, will conduct Proactive (not reactive) Planning together and solve your most difficult financial problems. Many of our clients lie awake at night, thinking about: how will I minimize taxes on my IRA and 401(k), how can I maximize social security benefits, how can I lead a stress-free retirement, how do I grow my portfolio while minimizing risk? We answer these questions with proven results. And we dig deep into Advanced Tax Strategies, Risk Management, Wealth Maximization, and Wealth Transfer. I am extremely confident all of our clients benefit from going through our unique Proactive Planning Process. With your trusted CPA, we are a One-Stop Shop for All Your Financial Needs.

Wealth Management & Financial Planning

Risk Management

I understand that risk is an inherent part of investing and financial planning. That’s why I offer a comprehensive Risk Management service to help you mitigate potential risks and protect your financial future.

Guaranteed Retirement Income

Designed to provide you with a reliable and steady stream of income throughout your retirement years. With this service, you can enjoy the peace of mind that comes with knowing your income is secure and will last as long as you need it to.

College Education Funding

College education funding plan that takes into account your unique financial situation and goals. I’ll help you explore different college funding options, such as 529 college savings plans, education savings accounts, and other tax-advantaged investment vehicles.

Cash-Flow and Disability Protection

My Cash-Flow and Disability Protection service includes a range of income protection strategies, such as disability insurance, life insurance, and other risk mitigation techniques. I’ll help you select the strategies that are most appropriate for your unique situation and ensure that they align with your risk tolerance and financial goals.

Estate Tax Payment Solutions

With the unified credit decreasing to $5,000,000 per person and $10,000,000 for a married couple on January 1, 2026, take advantage NOW of the strategies I offer to prevent the government from taking such a big part of assets away from your family that you have worked so hard to accumulate.

Tax Strategies

My Tax Strategies service includes a range of tax planning techniques, such as tax-efficient investing, retirement planning, and estate planning. I’ll help you explore various tax-advantaged investment vehicles, such as 401(k) plans, IRAs, and other retirement accounts.

Secure Your Future

Get a Free Financial Plan Consultation

Maximize Your Assets with Market Protection and Creditor Safeguards. Ensure Personal Income and Business Overhead Coverage in Case of Illness or Accident. Get Financial Support for Your Family and Business When It Matters Most.

Building Your Financial Future

Who can benefit?

With tailored advice and solutions, I can help you achieve your financial goals and dreams. Whether you’re a small business owner, entrepreneur, or working professional, my services can benefit anyone who wants to strengthen their financial foundation and plan for a secure future. Contact me today to learn more about how I can help you build your financial future.

Business Owners

Financial planning services can help you develop a roadmap for your business finances, including cash flow management, debt reduction, retirement planning, and more.


Developing a solid business plan is critical to the success of any entrepreneurial endeavor. I can help you identify key areas of focus for your business, such as growth, profitability, and risk management, and develop strategies to achieve your goals


Professionals may face unique risks in their line of work, such as liability or loss of income due to illness or injury. I can help you identify potential risks and develop strategies to mitigate them, such as disability insurance or liability insurance.

Accountants and financial professionals

Accountants and financial professionals are well-versed in tax planning, but advanced tax strategies can help you take your clients’ tax planning to the next level. My services can help you identify unique tax-saving opportunities for your clients and ensure they’re making the most of their tax advantages.

Accelerate Solutions and Maximize Revenue: Your Proactive Planning Team with a Proven Track Record

Accountants and Enrolled Agents are well-versed in tax returns and some planning, however, together, as a Proactive Planning Team, with a local/national virtual family office of over 100+ specialists, we can really accelerate solutions for the client’s simple and complex problems. My team and I look to partner with you to increase your revenue while reducing your time.

Sound too good to be true? We have a proven track record.

About Me

I am an experienced financial professional with a career spanning over 30 years, starting in 1990. Throughout my career, I have faced various challenges, but one of the biggest was when I experienced a disability claim that forced me to work part-time. Thankfully, my mentor advised me to buy the most comprehensive disability insurance protection I qualified for, which ultimately saved me, my family, and my business. The cash-flow from these policies provided the financial foundation that allowed me to maintain my personal and professional obligations.

In addition to my experience, I hold a Master’s Degree from Stanford University and have earned the CLU designation from The American College in Bryn Mawr, PA. I’m passionate about helping people protect their financial futures and achieve their goals, and I hope you’ll consider reaching out to me to discuss how I can help you secure your own financial foundation with comprehensive insurance and cash-flow protection.


Richard has a wealth of information on financial planning and bring clarity to the misinformation or hidden dangers of certain investments. His straight-up “say it like it is” approach is a breath of fresh air in a world of wishy-washy statements and false promises.

If you’re unsure of the quality of the information you have, message Richard, he’s a wonderful listener and able to break things down and bring you clarity in minutes.

Faisal Shah

I want to share a fantastic experience I recently had, purely to express my gratitude towards someone who has been incredibly helpful. Last month, after investing a considerable amount of time and effort, our long-time family friend, Rich Moravek, managed to find a life insurance policy for me at the age of 71, ensuring my dear Susy will be taken care of when I’m gone.

Having known Rich for over five decades, I can confidently vouch for his expertise in the insurance and investment sectors.

Geoffrey Jones

I recently worked with Richard Moravek, who helped me secure a Long-Term Care insurance policy through a Life Insurance plan with a linked benefit to Long-Term Care. The experience was incredibly positive, and I felt at ease with the advice and guidance I received throughout the process. I was particularly impressed with the strategies and solutions tailored to my needs, which ultimately led to a successful outcome. I wholeheartedly recommend Richard Moravek’s services to anyone seeking expert assistance in this area

Greg Jones

300 SW 130th Terrace, Suite 108B, Pembroke Pines, FL 33027