Richard Routie

Richard Routie is a former financial advisor and wealth manager with more than eighteen years of experience in financial planning and investment management. Throughout his professional career, he worked with individuals, families, and organizations to address complex financial matters with discipline and clarity. His focus remained on helping clients make informed decisions that aligned with their long-term objectives, risk tolerance, and overall financial position.

Over nearly two decades in financial services, Richard built advisory practices centered on structure and accountability. His work included portfolio construction, retirement income planning, estate coordination, and comprehensive risk management. Each client engagement followed a defined process that included discovery, analysis, strategy development, implementation, and ongoing review. This repeatable model allowed him to manage tens of millions of dollars in assets while maintaining consistent service standards.

Routie avoided standardized allocation templates and developed customized portfolio strategies tailored to client-specific goals and tax considerations. By evaluating cost efficiency, liquidity constraints, and downside exposure, he constructed portfolios designed to balance growth potential with prudent risk control. His approach to wealth management emphasized education, ensuring that clients clearly understood how investment decisions connected to retirement planning and estate objectives.

During his tenure at a national advisory firm, Richard expanded his practice to approximately forty million dollars in assets under management and opened more than 250 new accounts. He later transitioned to an independent advisory platform, where he operated his own wealth management practice. In this setting, he integrated insurance planning and tax-aware strategies into broader financial roadmaps, reinforcing a unified planning philosophy.

Routie holds FINRA Series 7 and 66 registrations, as well as Life, Health, and Variable Annuity licenses. He also maintains a Florida All-Lines Adjuster credential. These qualifications reflect formal training across investment management, insurance planning, and risk mitigation disciplines. His core competencies include portfolio risk modeling, retirement strategy design, estate planning coordination, negotiation, and advisory communication.

Richard's credentials supported a comprehensive approach to financial planning. Rather than treating investments, insurance, and retirement income as separate matters, he aligned them within a single coordinated strategy.

Alongside his financial services career, Routie has served in ministry since his early twenties. He founded Restoration Christian Fellowship and serves as president and pastor. In this role, he directs nonprofit operations, leads educational initiatives, and conducts seminars focused on financial literacy, entrepreneurship, and personal growth.

Richard also participates in international outreach programs, traveling to more than 40 nations as part of organized give-back initiatives and mission efforts. These activities reflect his commitment to leadership, service, and community development.

Through his work in wealth management and ministry leadership, Richard Routie has maintained a consistent focus on disciplined planning, structured processes, and education. His career reflects steady professional growth and a continued dedication to helping others achieve financial clarity and responsible decision-making.