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4350 Congress Street, Suite 300, Charlotte, NC 28209

704-557-9660
crichardsdonald@financialguide.com
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Help Make Your Money Work Smarter

Whether you're just getting started or rethinking your retirement, I'm here to help you make informed decisions and feel good about your financial direction.  

What I do
Financial Guidance That Meets You Where You Are

No matter where you are on your financial journey, I work with you to build a plan that makes sense for your life — not someone else's. Think of me as a sounding board, a strategist, an advocate, and a trusted resource all in one.

WELCOMEYour Goals, Your Plan, Your Terms

WELCOME
Your Goals, Your Plan, Your Terms

I got into this work because I believe everyone deserves a financial professional who actually listens. Before I build any strategy, I want to know what keeps you up at night, what gets you excited, and what "success" really looks like for you. From there, we work together to create a plan that evolves as you do.

My Solutions
Financial Guidance Tailored to Your Needs

Life doesn't come in neat categories, but having the right support in the right areas can make a real difference. Here's how I can help.


Portfolio Analysis

I'll help you build a portfolio that reflects your goals and risk tolerance — and review periodically as your needs and circumstances change.

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Retirement Planning

Retirement looks different for everyone. Let's map out what yours could look like and build a strategy to help you get there.

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Risk Management

Life throws curveballs. I'll help you identify potential risks and put strategies in place so you're better prepared for the unexpected.

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Estate Strategy

Thinking about what you leave behind doesn't have to be overwhelming. I'll work with you and your legal team to create a thoughtful plan.

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Life Insurance

Life insurance is one of those things people know they should think about but often put off. I'll help you figure out what makes sense for your situation.

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Cash Flow Analysis

It's hard to plan for the future if you're unsure where your money is going today. Let's get a clear view of your cash flow and explore potential planning opportunities.

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Extended Care Strategies

No one likes thinking about long-term care, but planning for it now can help protect everything else you've worked to build.box-empty

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Debt Management

Debt doesn't have to hold you back. I'll help you evaluate approaches to managing debt while considering your broader financial goals and priorities.

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Financial Education

The more you understand, the better equipped you may be to make informed decisions. I enjoy helping clients build a stronger understanding of financial concepts.

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About My FirmReal Conversations. Thoughtful Strategies.

About My Firm
Real Conversations. Thoughtful Strategies.

I started this practice because I believe financial planning should feel approachable — not intimidating. Over the years, I've had the privilege of working with people from all kinds of backgrounds, and the common thread is always the same: they want someone who will be straight with them. That's the approach I strive to bring to every client relationship. I take the time to understand your situation, explain concepts in plain language, and develop strategies aligned with your goals and priorities. No unnecessary jargon — just straightforward guidance designed to help you make informed decisions. 

The Process
Simple, Straightforward, and Built Around You

I don't believe in overcomplicating things. My process is designed to be clear from day one so you always know what to expect.

1. Listen
Start With a Conversation

We'll sit down, get to know each other, and dig into your financial life — your goals, your concerns, and everything in between.

2.Plan
Map Out Your Strategy

I'll put together a personalized financial strategy based on everything we've discussed — one that actually fits your life.

3. Implement*
Stay the Course Together

Your plan isn't a one-and-done document — I'll be right there with you to adjust, refine, and keep things moving in the right direction.

*Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.

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My Resources
Good Reads, Smart Thinking

I like sharing ideas that help my clients think differently about money and life. Browse the latest articles, guides, and insights below.

Best-Performing Asset Classes

Best-Performing Asset Classes

Bonds may outperform stocks one year only to have stocks rebound the next.
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Avoiding Cognitive Decline

Avoiding Cognitive Decline

Try these activities to keep your brain sharp.
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Debt vs. Investment

Debt vs. Investment

Weigh the potential outcomes of paying off debt versus directing those dollars elsewhere.
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Get Started
Let's See If We're a Good Fit

No pressure, no obligations — just a real conversation about where you are and where you'd like to go. I'd love to hear your story.

Start Your Journey