R & R Financial

Joshua Richardson is a CERTIFIED FINANCIAL PLANNER® (CFP®) professional dedicated to helping individuals, families, and business owners bring clarity and confidence to their financial lives. His approach blends advanced planning knowledge with a practical perspective shaped by his early career in small business finance. Working alongside entrepreneurs taught him that financial decisions are never made in isolation—cash flow, investments, taxes, and long-term goals are all interconnected. That experience instilled in him a big-picture view that he now applies to every client relationship. In his advisory work, Joshua focuses on guiding clients through the complexities of financial planning in a way that feels approachable and actionable. He believes the best plans are those that not only look good on paper but also work in the real world, adapting to life’s changes. Whether it’s structuring a retirement plan, developing a tax-efficient investment strategy, or helping a family prepare for major life transitions, Joshua works to simplify complexity and provide a clear path forward. Joshua has a special appreciation for clients whose financial lives are more involved—such as professionals balancing career and family goals, or small business owners navigating the overlap between personal wealth and business success. His ability to translate complex strategies into straightforward, step-by-step plans allows clients to focus on what matters most to them, while knowing the financial details are well-managed. At the heart of Joshua’s philosophy is a commitment to client-centered advice. He acts as a fiduciary at all times, putting his clients’ best interests first. His goal is simple: to help people plan, invest, and prosper with clarity and confidence, knowing they have a trusted partner guiding them each step of the way.

Benjamin Rones is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at R & R Financial. His prior experience includes roles at Thrivent Financial and Nepsis. Outside of his advisory work, he plays guitar in a local cover band and consults other financial advisors on business operations as an independent contractor. R & R Financial is a fee-only registered investment adviser serving individuals, including high-net-worth clients, and employer retirement plans. The firm offers wealth management, discretionary investment management, financial planning, and retirement plan consulting, utilizing a combination of passive and active strategies informed by Modern Portfolio Theory.