Douglas Richardson

Professional Greetings, I am the Founder & Wealth Advisor steering the helm at Flying Forward Wealth Management, a firm I founded to manifest my deep-seated commitment to tailored, fee-only financial planning. My journey started at the United States Air Force Academy where I honed a disciplined, strategy-driven approach to problem-solving, obtaining a Bachelor of Science in Management. Later, I advanced my knowledge with an MBA from the University of North Carolina Kenan-Flagler Business School. In the financial realm, my expertise is fortified by an array of designations including CFP®, CIMA®, ChFC®, CLU®, AEP®, and EA, each testifying to a dedication to comprehensive financial mastery. This rich background equips me to craft financial strategies that are as unique as each client I serve, always with an eye toward secure, forward-moving growth. Personal Based in the beautiful locale of Boerne, TX, I've cultivated a practice that mirrors the warm, community-focused spirit of our area. My approach to wealth management is much like crafting a fine, aged whiskey — a careful nurturing of growth, combined with the patience and foresight to anticipate future rewards. In the vibrant community of Boerne, I’m not just your wealth advisor; I’m a neighbor eager to help fellow locals foster financial health and peace of mind. Beyond the financial charts, I have a penchant for embracing the vibrant life and culture our locality offers — be it enjoying a quiet weekend in our scenic town, engaging in community events, or flying out of the local airfield 5C1. My Why My mission stems from a simple yet profound belief: comprehensive planning can be the wings that allow dreams to fly. In founding Flying Forward Wealth Management, my aspiration was to create a haven where clients could find not just financial guidance, but a collaborative partner in navigating life’s financial journey. With a philosophy grounded in forward motion and expansive vision, I am here to ensure your financial plan isn’t just robust and resilient but also tailored to your most cherished life goals and aspirations. Together, we will forge a path that lead to financial stability and wealth crafted to serve not just immediate needs but generations to come. It’s more than financial planning; it’s planning to fly forward, with wealth strategies that honor your life’s work and echo into the future. Let's carve out a journey that marries financial wisdom with your life aspirations.

I build Personalized Financial Plans for every client to address important “Real Life” financial issues including Financial & Retirement Planning, Investments, Income Tax Planning, Executive Benefits & Compensation Planning, Insurance & Risk Management Planning, Social Security & Pension Planning, Multi-Generational Trusts, and Estate Planning. In addition, I have specialized expertise with Executive Benefits & Compensation Planning for Restricted Stock (RS), Restricted Stock Units (RSUs), Performance Shares (PS), Non-Qualified Stock Options (NQSO), Incentive Stock Options (ISO), Employee Stock Purchase Plans (ESPP), Non-Qualified Deferred Compensation Plans (NQDC), Net Unrealized Appreciation (NUA), 457(b) "Double-Limit Catch Up" Provisions, and 457(f) Non-Qualified Deferred Compensation Plans. Why work with a Fee-Only CERTIFIED FINANCIAL PLANNER® professional? Anyone can call themselves a Financial Advisor, but not everyone is held to the Fiduciary Standard of Care. Independent, Fee-Only, Financial Planners combine advanced training, fiduciary ethics, and complete transparency to help you make confident financial decisions during every stage of life. What does “Fee-Only” really mean? A Fee-Only Financial Planner is only compensated by clients. They do not receive any commissions, incentives, or compensation for selling financial products. No sales pressure. No hidden fees. No product bias. You simply pay for objective financial expertise and guidance. How does a Fee-Only Financial Planner plan for every stage of your life? A Fee-Only Financial Planner creates a clear, coordinated, and personalized Financial Plan which covers all aspects of your financial life. Your plan may include monthly cash flow & spending plan, retirement income & retirement distribution strategies, investment management and guidance, tax efficiency and Multi-Year tax planning strategies, insurance & risk management, liquidity planning, education planning, and family legacy goals. Professional Credentials: Master of Science (M.S.) Degree in Personal Financial Planning CERTIFIED FINANCIAL PLANNER® Professional Chartered Retirement Planning Counselor (CRPC®)

Cristy Rivera Romero is an Investment Consultant at Fidelity Investments, a role she has held since 2025. In this capacity, she assists clients in developing financial plans that align with their current lives and long-term objectives. Prior to this position, she served as a Financial Representative at Fidelity Investments from 2024 to 2025. Before joining Fidelity Investments, Cristy worked as a Relationship Banker at Bank of America from 2023 to 2024.

John Nolan is a Financial Consultant currently working at Fidelity Investments, a position he has held since 2020. Prior to this, he served as an Investment Consultant at Fidelity Investments from 2015 to 2019. His background also includes various roles at USAA Financial Planning Services, where he worked from 2008 to 2014, including positions as a Financial Services Group Representative, Financial Advisor, and participating in a Professional Rotation program. John's experience spans a range of financial advisory and investment consulting roles, providing him with a comprehensive understanding of financial planning and client service. His approach involves collaborating with clients to understand their financial situations and lifestyle goals, enabling the creation of tailored financial plans with clear milestones and ongoing adjustments as needed. No information regarding his education, credentials, personal interests, or community involvement was provided.

Kaitlyn Pugh is a Planning Consultant at Fidelity Investments, where she partners with clients and Financial Consultants to develop and maintain sustainable financial plans. She focuses on helping clients pursue their financial goals with confidence and clarity. Prior to her current role, Kaitlyn held positions as a Relationship Manager, Financial Representative, and Financial Services Representative at Fidelity Investments, all within the year 2023 and onward. Kaitlyn is committed to building deep, long-lasting relationships with clients and supports them through various life events as part of their financial planning process. Outside of her professional responsibilities, she enjoys hiking, horseback riding, reading, skiing, and traveling.