Richard Constantine
Advisor at Merrill
Updated today
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.
About
Richard Constantine is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in areas such as college education planning, family wealth management strategies, services for defined benefit plans, investment consulting for defined contribution plans, sports and entertainment, tax minimization, and retirement income.
Richard holds a Bachelor's Degree from Western Kentucky University and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He focuses on helping clients understand the complexities of the financial world and creating personalized plans to achieve their unique financial goals.
Outside of his professional work, Richard participates in community organizations such as Burritt on the Mountain and Miracle League. His personal interests include golfing, pickleball, spending time with his family, and traveling.
Expertise
College savings (529s, UTMA, etc.)
Wealth management
Retirement income strategy
Income planning
General tax planning
Work history
Bank of America, N.A.
2024 - Present (2 years)
Merrill Lynch, PIERCE, FENNER & SMITH INCORPORATED
2024 - Present (2 years)
AE Wealth Management, LLC
2023 - 2024 (1 year)
WG Financial Group
2023 - 2024 (1 year)
Bridgeworth Wealth Management
2023 - 2023 (1 year)
The Prudential Insurance Company Of America
2022 - 2023 (1 year)
Pruco Securities Llc
2022 - 2023 (1 year)
Unemployed
2022 - 2022 (1 year)
Wells Fargo Clearing Services, Llc
2021 - 2022 (1 year)
Unemployed
2021 - 2021 (1 year)
Western Kentucky University
2017 - 2021 (4 years)
Volunteer State Cc
2016 - 2017 (1 year)
Huntsville High School
2013 - 2016 (3 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Lee D
CFP®, ChFC®, Series 66
Madison, AL
Edward Jones
James F
CFP®, Series 63, Series 66
Huntsville, AL
Edward Jones
Melissa H
Series 66
Huntsville, AL
Edward Jones
Stephanie D
Series 66
Huntsville, AL
Edward Jones
Lefranc J
Series 63, Series 65, Series 66
Huntsville, AL
Merrill
Lefranc Joseph is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to define their financial goals and implement portfolio strategies designed to help them achieve those objectives. Lefranc offers ongoing advice and adapts client plans as their situations evolve, focusing on areas including college education planning, legacy planning, managing new wealth, personal retirement planning, portfolio management services, retirement income, and sports & entertainment. He holds a Bachelor's Degree from Fairleigh Dickinson University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Lefranc is fluent in both French and English and is affiliated with Merrill Lynch Wealth Management. Beyond his professional work, he is involved in his local church and has personal interests in basketball, music, running, and soccer.
Robert S
Series 66
Madison, AL
Edward Jones
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