Rick Winters works differently. He takes pride in offering a complete range of financial management services to his clients, helping them realize and achieve their ultimate happiness. Rick began his career with a degree in Finance and Real Estate from California State University, Northridge. Over the next decade, he became a partner in two mortgage banking firms, funding over half a billion dollars in residential loans. In order to better serve the needs of his clients, Rick took and passed the series 7, series 63, series 65 and Insurance designation tests, which allows him to counsel clients and offer smart program choices for long-term financial strategies. As a child of immigrant paren