Richard Routie

Richard Routie is a former financial advisor and wealth manager with more than eighteen years of experience in financial services, retirement planning, and investment management. Throughout his career, he worked with individuals, families, and organizations to navigate complex financial planning decisions with structure and careful analysis. His focus remained on helping clients build long-term strategies that supported stability, responsible growth, and disciplined risk management. Over nearly two decades, Richard developed advisory practices grounded in a clear and repeatable financial planning process. Each engagement began with discovery and financial analysis, followed by strategy development, implementation, and ongoing review. This organized framework allowed him to manage tens of millions of dollars in assets while maintaining consistent oversight and strong client communication. Routie did not rely on generic portfolio models. Instead, he designed customized asset allocation strategies aligned with specific goals, time horizons, liquidity needs, and tax considerations. In evaluating investment options, he compared cost structures, structural limitations, downside exposure, and benchmark alignment before presenting recommendations. His approach to investment management emphasized clarity, ensuring clients understood how portfolio construction connected to retirement income planning and estate coordination. During his tenure at a national advisory firm, Richard expanded his practice to approximately forty million dollars in assets under management and opened more than 250 client accounts. He later transitioned to an independent advisory role, establishing and operating his own wealth management practice. In this capacity, he integrated insurance planning and tax-aware strategies into comprehensive financial roadmaps designed to support long-term objectives. Routie holds FINRA Series 7 and 66 registrations, as well as Life, Health, and Variable Annuity licenses. He also maintains a Florida All-Lines Adjuster credential. These qualifications reflect formal training in investment management, insurance planning, and risk mitigation. His core competencies include portfolio risk modeling, retirement strategy development, estate planning coordination, negotiation, and advisory communication. These credentials supported a unified financial planning philosophy. Rather than treating investments, insurance, and retirement income as separate matters, he aligned them into a single, coordinated strategy to reduce gaps and improve overall consistency. In addition to his career in financial services, Richard has served in ministry since his early twenties. He founded Restoration Christian Fellowship and serves as president and pastor. In this leadership role, he oversees nonprofit operations, leads training initiatives, and conducts seminars focused on financial literacy, entrepreneurship, and personal development. Routie also participates in international outreach efforts, traveling to more than 40 nations through organized give-back programs and mission initiatives. These activities reflect his ongoing commitment to service and leadership. Through both wealth management and ministry leadership, Richard Routie has demonstrated disciplined planning, operational structure, and dedication to education. His professional journey reflects steady growth and a continued focus on helping others make informed and responsible financial decisions.