For me, retirement planning means more than providing my clients with investment advice. It means helping them maintain the financial independence they’ve worked their whole lives to achieve. It means striving to ensure they have the means to pursue what’s most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies I develop on their behalf.
My consultative process begins with an in-depth discussion of your current finances and future objectives. We’ll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we’ll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
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- Asset Management
- Estate Planning
- Family Consulting
- Alternative Investments
- Cash Management
- Socially Responsible Investing
- Professional Portfolio Management
- Wealth Management
- Art Advisory
- Futures
- Lending Services
- Retirement Planning
- Stock Purchase Plans
- Municipal Bonds
- Education Planning
- Structured Products
- Corporate Retirement Plans
- 401k Rollovers
- Insurance Services
- MBA, 1965
Rollins College
Winter Park, FL
- BA - Economics, 1964
Hunter College
New York, NY
- Series 65 - Investment Advisory Agent, 1996
Harrisburg, PA
- 1979
- Present: Morgan Stanley*
Senior Vice President
Financial Advisor
Harrisburg, PA - 1969
- 1979: Financial Services Industry
Richard A. Melzer is licensed in the following state(s):
CA, CT, DE, FL, GA, LA, MA, MD, ME, MI, NC, NJ, NV, NY, PA, TX, VA
This information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley.
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