Richard Carmel, LUTCF®

With over 30 years as a financial advisor, Rich Carmel combines seasoned expertise with a heartfelt passion for empowering clients to realize their financial dreams. Rich tailors comprehensive plans that align with each client’s unique goals, timeline, and risk tolerance. His holistic approach centers on the six pillars of financial planning—cash flow optimization, portfolio growth, tax efficiency, lifestyle protection, retirement readiness, and legacy creation.

Rich fosters enduring client relationships, guiding young families saving for college and retirees shaping their legacies through customized strategies and reviews. His talent for simplifying complex financial decisions helps make him trusted for life’s biggest milestones.

A graduate of The College of Wooster with a BA in Business Economics, Rich holds Series 6 and 63 securities registrations. At home in Liberty Township, he treasures time with his wife, Nicole, and their two daughters, cheering at their volleyball matches. Deeply engaged in his community, Rich serves on the boards of Legatus, Family Promise, and his homeowners association. “I am truly blessed to help guide my clients and family toward brighter futures.”