Richard is the founder of Cranbrook Wealth Management, LLC. He was a pioneer in comprehensive financial planning in the 1980s and in the adoption of fee-based asset management in the 1990s. Richard's client-first approach, acute attention to detail, and the comprehensive nature of his planning services often placed him at odds with the executives of these insurance companies and broker dealers as they were much more focused on a transactional approach and the manufacture and distribution of commissioned “financial products.” Accordingly, Richard made the brave decision to start his own independent firm in 2004 where he and his associates could better control client costs, eliminate many c