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Paladin Registry 5 Stars

This advisor or firm is a vetted, documented member of the Paladin Registry.

This advisor or firm received a 5 Star quality rating from Paladin’s research department. Paladin analysts use a proprietary algorithm to rate the quality of financial advisor and firm credentials, ethics, business practices, and services.

Paladin provides free information services to investors who rely on planners and investment advisors to help them achieve their financial goals. Paladin is the only SEC registered firm that vets, validates, and documents the quality of financial professionals and firms (since 2003).

Paladin Research Report For:

Rick Willoughby

Symphony Financial Services LLC

Rick Willoughby, a financial fiduciary has been a Paladin Registry member since 2008. Rick holds the Accredited Asset Management Specialist , Accredited Wealth Management Advisor certifications and has over 20 years of experience. Rick provides financial services to clients in the Phoenix, Arizona area.

I. Snapshot

A. Registry Member
  • Since 2008
B. Years of Experience
  • 20
C. College Degrees
  • College for Financial Planning - Accredited Asset Management Specialist
  • College for Financial Planning - Accredited Wealth Management Advisor
D. Certifications
  • AAMS®, AWMA®
E. Financial Fiduciary
  • Yes
F. Business Philosophy
  • Read Business Philosophy

    Financial advice is about your comfort. It is about guiding you through the myriad of financial products, plans and projections to the one that allows you to be comfortable. Your comfort comes from the knowledge that you have learned enough to make wise and prudent decisions. The road to financial success usually takes an occasional detour, comfort is having 100% confidence that your adviser can steer you through toward your goals. Being 100% independent we do not have to fit a square peg into a round hole!

G. Asset Requirement
  • $100,000

II. Contact Information

A. Key Contact
  • Rick Willoughby
B. Main Location
  • Phoenix, Arizona, 85044
C. Telephone
  • 480.209.6420
D. Comments
  • The Process: Together we schedule a get acquainted kitchen table type meeting (usually about 1 hour). There is no charge for this meeting. During our time together we will discuss what your goals are, what concerns you have about working with an advisor and our potential fees. We will ask you about your previous experience with investing and different types of investments. You should expect us to have a full and complete understanding of your ability to accept different kinds of risk, the time frame you are working in and your goals. We come to you; realizing people these days are very busy we schedule our meetings around your needs. Call us at any time 480-209-6420.

III. Internet

B. Social Connections
C. View Blog

IV. Firm(s)

A. Name of Firm
  • Symphony Financial Services LLC
B. Relationship to Firm
  • Independent Contractor
C. Name of RIA
  • Symphony Financial Services LLC
D. Name of Broker/Dealer
  • Independent Financial Group LLC
E. Name(s) of Custodian(s)
  • Pershing
  • TD Ameritrade
  • Folio

V. Credentials

A. Years of Financial Experience
  • 20 Years
B. College, Degrees, Years
  • College for Financial Planning - Accredited Asset Management Specialist
  • College for Financial Planning - Accredited Wealth Management Advisor
D. Financial Industry Associations (Active Memberships)
  • FINRA

VI. Registration, Licensing,
Compliance

A. RIA/IAR Registration
  • IAR
B. Type of RIA Registration
  • SEC
C. Industry Licenses
  • Securities License(s)
  • Insurance License(s)
D. Registration & License Numbers
  • CRD: 1238458
  • IARD: None
  • Insurance: 85862
E. State Licences
  • Financial Advice, Services for Fees: See List
    • Arizona
    • California
    • Colorado
    • Delaware
    • Florida
    • Georgia
    • Illinois
    • Kansas
    • Missouri
    • New Jersey
    • New York
    • Oklahoma
    • Oregon
    • Rhode Island
    • Texas
    • Washington
  • Investment Products for Commission: See List
    • Arizona
    • California
    • Colorado
    • Delaware
    • Florida
    • Georgia
    • Illinois
    • Kansas
    • Missouri
    • New Jersey
    • New York
    • Oklahoma
    • Oregon
    • Rhode Island
    • Texas
    • Washington
  • Insurance Products for Commission: Arizona
F. Compliance Record (Investment)
  • Yes
G. Compliance Record (Insurance)
  • No Disclosures
H. Criminal Disclosure(s)
  • None
I. Additional Disclosure(s)
  • Rick Willoughby is a Registered Principal, Brice Willoughby is a Registered Representative both offering securities and advisory services through Independent Financial Group, LLC, a registered... View More
    Rick Willoughby is a Registered Principal, Brice Willoughby is a Registered Representative both offering securities and advisory services through Independent Financial Group, LLC, a registered broker-dealer and investment advisor. Member FINRA and SIPC. Independent Financial Group, LLC and Symphony Financial Services, LLC are not affiliated. 15022 S 40th Pl Phoenix, AZ 85044
J. View our ADV(s)
K. Links

VII. Business Data & Practices

A. Business Philosophy
  • Read Business Philosophy

    Financial advice is about your comfort. It is about guiding you through the myriad of financial products, plans and projections to the one that allows you to be comfortable. Your comfort comes from the knowledge that you have learned enough to make wise and prudent decisions. The road to financial success usually takes an occasional detour, comfort is having 100% confidence that your adviser can steer you through toward your goals. Being 100% independent we do not have to fit a square peg into a round hole!

B. Minimum Asset Requirement
  • $100,000
C. Number of Current Clients
  • 200
D. Assets (Management, Advisement)
  • $50,000,000
E. Methods of Compensation
  • Asset-Based Fee
F. Methods of Communication
  • Face-to-Face Meetings
  • Telephone
  • Email
  • Skype/Voice
  • Skype/Video-Voice
G. Types of Reports (Frequency)
  • Performance (Quarterly)
  • Brokerage Statement (Monthly)
  • Market Environment (Monthly)
  • Newsletters (Monthly)
  • Other: Weekly market updates by request
H. Second Language(s)
  • None
I. Value Statement
  • View Value Statement
    The Process: We come to you; realizing people these days are very busy we schedule our meetings around your needs. Together we schedule a get acquainted kitchen table type meeting (usually about 1 hour). There is no charge for this meeting. During our time together we will discuss what your goals are, what concerns you have about working with an advisor and our potential fees. We will ask you about your previous experience with investing and different types of investments. You should expect us to have a full and complete understanding of your ability to accept different kinds of risk, the time frame you are working in and your goals.

VIII. Clients & Services

A. Types of Clients
  • Individuals & Couples (Working)
  • Individuals & Couples (Retired)
  • Business Pension Plans
  • Other: 1031 Candidates, Businesses considering a Captive Insurance Company
  • Business (Taxable)
  • Endowments & Foundations
B. Types of Financial Services
  • Planning Advice & Services
  • Investment Advice & Services
  • Insurance Products
  • Tax Advice & Services
  • Other
C. Discretionary Asset Management
  • Discretionary and Non-Discretionary
D. Limited Engagement Services
  • None
  • Financial Plan Reviews
  • Investment Portfolio Reviews
  • Captive Insurance Company counsel

IX. Certification

Advisor Name
  • Rick Willoughby
Most Recent Update:
  • Apr 26, 2019

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