Richard is a financial and credit educator through experience working in the mortgage industry. He grew up all over the country as his father was in the Army and spent summers on San Clemente Beach.
Currently as a member of Surfrider, he is active with Beach & Harbor Cleanups.
Richard lives in Huntington beach and you can occasionally see him riding his beach cruiser with music playing from its basket from Huntington Pier to The Wedge. Feel free to stop and talk to him.