About Lerner Financial

Rick Lerner, is a fee-based CERTIFIED FINANCIAL PLANNER® professional, and an Investment Adviser Representative. He is also a Chartered Federal Employees Benefits Consultant. Rick owns Lerner Financial, LLC, which is an independent practice, based in Greenwood Village, CO. The team at Lerner Financial offers financial planning for The Greater Denver Metro area.

Rick is affiliated with Raymond James Financial Services, a subsidiary of Raymond James Financial, Inc. which is a diversified financial services holding company with subsidiaries engaged primarily in investment, financial planning, investment banking and asset management. Raymond James stock is traded on the New York Stock Exchange (RJF).

Rick has been in the financial services business for over 30 years. The primary focus of his practice is working with his clients in the area of pre-retirement wealth accumulation and developing post-retirement wealth distribution strategies.

Rick is a member of the Financial Planning Association. He holds a BA Degree from Whittier College and an MBA from Tulane University. He is a Denver native and resides with his wife, Marlene, in Centennial, CO.

Rick’s education and credentials:

1. Certified Financial Planner® Professional
2. Chartered Federal Employee Benefits Consultant (ChFEBC)
3. Master’s in Hospital Administration, Tulane University
4. Bachelor’s in Biology and Business, Whittier College
5. Investment Adviser Representative, Raymond James Financial Services Advisors, Inc.
6. Registered Representative and Branch Manager, Raymond James Financial Services, Inc.

In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2A as well as the client agreement.