Advisor at Emerson Equity LLC
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Emerson Equity LLC
Location
Lodi, CA
Credentials
Series 63, Series 65
Industry experience
49 years
Richard Borba is a financial advisor with Emerson Equity LLC, holding Series 63 and Series 65 credentials and bringing 49 years of industry experience. His career includes roles at Arete Wealth Advisors, Center Street Advisors, Ohio National Financial Services, and Allianz. He operates a sole proprietorship, Financial Dynamics, through which he offers securities, insurance, and advisory services. Emerson Equity is an SEC-registered investment adviser serving a diverse client base including high-net-worth individuals, pension plans, and charitable organizations. The firm employs a range of investment strategies from capital preservation to aggressive growth and offers specialized services such as portfolio evaluation and concentrated stock hedging.
Based on Emerson Equity LLC
Based on Emerson Equity LLC
Financial planning flat fees range from $1,500 to $75,000 or more; portfolio evaluation services typically $1,500; flat fee portfolio management negotiated
$0+: Negotiable, up to 2.5% maximum annually +: Management fee for Private Placement Life Insurance: typically either a flat fee of $25,000-$50,000 per annum charged quarterly in advance, or a percentage fee up to 0.5% annually capped at $50,000 per annum (0.125% quarterly in advance)
Broker-dealer commissions on securities transactions including 12b-1 fees from mutual funds; commissions on insurance and alternative investment products
Insurance consulting hourly rate varies between $75 and $250 per hour
Minimum fee: Flat fee for financial plans typically ranges from $1,500 to $75,000 or more; Portfolio Evaluation Services flat fee typically approximates $1,500 Fee-only: Flat fees for financial plans and portfolio evaluation services; hourly rates for insurance consulting ($75 to $250 per hour)
Lodi, CA
California
Emerson Equity LLC
2024 - Present (2 years)
Arete Wealth Advisors, LLC
2023 - 2024 (1 year)
Center Street Securities, Inc.
2021 - 2023 (2 years)
Center Street Advisors
2021 - 2023 (2 years)
LifePro Asset Management, LLC
2020 - 2021 (1 year)
Allianz
2020 - Present (6 years)
National Western Life Insurance Co
2018 - Present (8 years)
Center Street Advisors, Inc.
2013 - 2020 (7 years)
Ohio National Financial Services
1996 - 2021 (25 years)
Financial Dynamics - Self Employed
1978 - Present (48 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
CFP®, Series 63
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ChFC®, Series 63, Series 65
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Arbor Family Wealth Advisors, Inc.
CFP®, Series 63
Lodi, CA
Aspire Advisory Services
Series 65
Stockton, CA
Boddington Capital, LLC
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