Richard Clarke, CPA, PFS, Paladin

Santa Rosa, California, 95403

Member Since 2004

Our client is the most important person in our business. We are financial coaches who help our clients make smart choices about their money.

My Location

Methods of Compensation
- Financial Planning: Asset-based fee, Fixed fee, Hourly fee
- Investment Services: Asset-based fee
Full Disclosure
- I practice full disclosure for credentials, ethics, business practices, compensation, potential conflicts of interests, and financial services.
Primary Custodian(s)
- Schwab
Types of Financial Reports
- Performance Report (Semi-Annually)
- Newsletter (Semi-Annually)
Additional Business Practices
- I work with remote clients over the telephone and Internet
- My clients have online access to their financial data
- I review my clients' financial plans with them upon request
- I review my clients' investment portfolios with them upon request

Registration & Licensing
- CRD/IARD Number: 4621807
- Securities Registrations: Series 65, Series 7
- Insurance Licenses: None
Company Names
- Registered Investment Advisor: ZRC Financial Services, LLC
- Broker/Dealer: Charles Schwab & Co.
Fiduciary Status
- Acknowledged Fiduciary in advisory relationships
Compliance Record
- No Disclosures
Criminal Record
- No Disclosures

Planning Services
- Financial Planning, Retirement, College Funding
Investment Services
- Strategy Development, Written investment policy, Asset allocation, Performance Reporting, Tax Efficient Strategies
Investment Products
- Mutual Funds, REITs