Richard Sterling Price, FSCP (Rick)

Financial Planner, Investment Advisor Representative

Phone: 954-740-2255

Schedule a 5-Min Q&ADownload Your Financial Freedom Plan Here
Richard Sterling Price, FSCP (Rick)

A Complete Wealth Strategy, Built Layer by Layer

Your financial life is interconnected. Our approach stacks six essential planning areas, from day-to-day cash flow to long-term legacy, into one integrated strategy.

Put Our Team to Work for You

200+ Years of Experience.

Michele Friedlander, RHU, REBC

DI/LTC Specialist

Marcia Dryjowicz, CLU, ChFC®

Life Specialist

Ryan Solle

Director of Advanced Markets

Nick Tranghese

Life & Annuity Specialist

Your Financial Foundation

Understand where you are today so you can build with clarity tomorrow.

Budgeting & Cash Flow

  • Cash flow review and budgeting strategies
  • Emergency reserve planning vs. deductible needs
  • Optimized savings vehicle selection

Debt & Credit Strategy

  • Debt management recommendations
  • Exploration of personal or business lines of credit

Net Worth & Asset Positioning

  • Balance sheet and net worth analysis
  • Real estate or business sale strategy and calculations

‍

Life Events & Legacy Planning

  • Life event financial planning (marriage, children, divorce, relocation)
  • Inheritance scenario planning

‍

See If We’re The Right Fit
See If We’re The Right Fit

Protecting What Matters

Build a smart, personalized protection strategy for your family, business, and lifestyle.

Personal & Property Protection

  • Home, auto, and business insurance review
  • Umbrella liability policy guidance
  • Business liability insurance planning

Life & Income Protection

  • Life insurance needs analysis and product education
  • Tax-efficient permanent life strategies (IRS Code 7702)
  • Income protection and disability coverage

Long-Term & Specialized Planning

  • Long-term care solutions
  • Planning for dependents with special needs
    ‍
Lets Connect
Lets Connect

Building and Growing Wealth

Align your investment strategy with your goals, values, and risk preferences.

Strategy & Goal Alignment

  • Financial goal-setting and timeline planning
  • Risk tolerance review and portfolio recommendations
  • Market behavior coaching and timing discipline

Portfolio Design & Optimization

  • Portfolio design and asset allocation
  • Cost basis and fee drag analysis
  • Investment diversification across classes, types, and geographies
  • Guaranteed, growth, speculative, and hybrid investment guidance

Specialized & Tax-Advantaged Planning

  • Education savings strategies
  • Employer-sponsored plan optimization
  • Investment planning for business owners
See If We’re The Right Fit
See If We’re The Right Fit

Strategic Tax Planning

Proactively manage tax exposure now and in the future.Services:

  • Capital gains and tax-loss harvesting strategy
  • Tax diversification planning: taxable, tax-deferred, tax-advantaged
  • Business owner tax strategies and qualified plan selection
  • Deduction maximization
  • Tax minimization strategies
  • Future tax projection and withdrawal planning
  • Advanced ownership and structuring techniques
Let's Discuss Your Strategy
Let's Discuss Your Strategy

Retirement Income & Longevity Planning

Retirement Readiness

  • Target retirement date and income needs planning
  • Safe withdrawal rate and longevity risk review
  • Required minimum distribution (RMD) education

Tax-Efficient Income Strategy

  • Optimal account drawdown sequences
  • Roth conversion and backdoor Roth strategies

Government & Pension Benefits

  • Social Security benefit timing
  • Pension maximization analysis

Health &
Legacy

  • Guaranteed income products and annuity strategies
  • Long-term care planning in retirement
  • Business exit or succession planning

Legacy & Estate Planning

Transfer wealth on your terms, with structure, clarity, and care.

Structuring
the Estate

  • Estate balancing and asset titling strategy
  • Trust education and coordination (revocable, irrevocable, living)
  • Power of attorney, healthcare directive, and essential document review

Planning
the Transfer

  • Multi-generational wealth transfer strategy
  • Beneficiary designation audit
  • Estate tax funding solutions

Giving
with Purpose

  • Charitable giving and tax-efficient gifting
See If We’re The Right Fit
See If We’re The Right Fit

Rethinking Retirement Strategies

Explore Sample Strategies & Insights

Review the sample PDFs below to see the types of strategies, insights, and solutions we deliver to our clients. These examples highlight our approach to planning, protection, and long-term wealth management.

Your Financial Freedom Plan

Download PDF
Download PDF

JP Morgan Guide to the Markets: Retirement Focus

Download PDF
Download PDF

Retirement and the Tax Control Triangle

Download PDF
Download PDF

Bringing clarity, education, and confidence to business owners and accredited investors through personalized financial planning.

About

‍

Focus: Insurance Strategies, Retirement  Planning,  Financial Planning, Investment Strategies, Business Succession Planning, Risk Management Strategies, Student Loan Refinancing, Financial Education, Business Owners, College Funding Strategies, Group Benefits

‍

Richard Sterling Price, FSCP has been in the financial services industry since 2009, a consistent qualifying member of MDRT since 2011 (Million Dollar Round Table), and is truly passionate in providing financial planning education, concepts and proven strategies for young business owners and accredited investors alike. Early in his career “Rick” observed a severe gap with individuals’ financial education as high-school degrees and even advanced university classes simply omit adequate financial planning education. Those looking for advice must navigate through a confusing mix of “great ideas,” and “investment tips” from a variety of unqualified sources who seem to all recommend something different.

‍

Rick Price decided to combine his passion with his career and made it his mission to provide the missing financial planning education, insight, and experience to those serious about taking control of their financial future. Business owners working with Rick have a better understanding of their options, and accreditor investors enhanced clarity and confidence they to implement the correct combination of strategies for their specific goals and needs.

‍

Rick graduated as a die-hard gator from the University of Florida in 2004, enjoys everything sports, especially sailing, windsurfing and wakeboarding and is blessed to be father of two amazing children, Bella, and Sterling Price. Rick is actively involved with Calvary Chapel Fort Lauderdale and enjoys investing in the South Florida community through a variety of projects, events, and ministries.  

‍

Rick Price is proud to team with Coastal Wealth’s Planning Solutions Group to provide comprehensive planning insight across all areas of high-level financial planning. Rick looks forward to learning about your family and business and invites you to bring any of your financial questions to review, learn your options and collectively design the best customized solutions you seek.

‍

CA license: 0K99078

‍

Languages: English

‍

BrokerCheck by FINRA