Richy didn't set out to build just another financial planning firm. He set out to build the one he wished existed.

As a Series 65-licensed fiduciary and the founder of Plan Wise Wealth Group, Richy is legally and ethically bound to put your interests ahead of everything else — including his own. That's not a marketing line. It's the law, and it's the standard he holds himself to in every client meeting.

Richy developed the Wise Home framework to answer the question that most advisors avoid: how do you build a retirement that can't be broken?

Through the three-tier structure of Foundation, Walls (the Wise Reserve), and Roof, every Wise Home he builds is engineered to survive market drops, outlast longevity, and minimize lifetime taxes — simultaneously.

When he's not building Wise Home plans, Richy is in the community — speaking at local seminars, educating pre-retirees on the retirement threats nobody else is talking about, and making sure that clarity, not complexity, is what people walk away with.

Every great Wise Home needs a great foundation — and Hannah is ours.

As Co-Founder and COO, Hannah is the driving force behind everything that makes the Plan Wise client experience different. She shapes the culture, oversees the operations, and makes sure that every person who walks through our doors — or calls, or texts — feels like the most important client we have.

As a mother of three energetic boys, Hannah brings a level of care and personal investment to this firm that no organizational chart can capture. She knows what it means to build something for the future — and she brings that same intention to every client relationship Plan Wise serves.

Andrea is the heart and soul of Plan Wise Wealth Group, serving as our Director of First Impressions. With her sweet and kind spirit, she welcomes everyone with a vibrant energy that instantly makes them feel at home. Andrea’s warm and genuine personality is infectious, drawing people in and making them feel valued from the moment they walk through our doors.



Her passion for creating personalized experiences ensures that each client feels uniquely cared for and appreciated. Whether it’s a friendly greeting, a thoughtful gesture, or a tailored interaction, Andrea goes above and beyond to make sure everyone feels special. Her dedication to making meaningful connections is a cornerstone of our firm’s commitment to exceptional client service.

Lindsey has worked in the financial services and insurance industry for 19 years, and made a career out of supporting sales teams, insurance agents and advisors. She understands the complexity of licensure, contracting, annuity new business, and has experience supporting Life Insurance, Disability, AUM (Assets Under Management) and so much more.

At home, Lindsey has a wonderful husband of 18 years, Stu, and 2 lovely daughters, Audrey, 14, and Reese, 11. She's also a proud cat mom to 3 rescue cats: Doofy, Chewie, and Toonces.

As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 30 years of industry experience including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charterholder and is a featured contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal

Keith joined Gradient Investments in 2018 and has more than 25 years of industry experience. Prior roles include asset management for a multi-billion dollar portfolio with a large institutional asset management firm. Keith is a CFA® charterholder, Lipper Award winner, and has been featured in media outlets such as Investor’s Business Daily, Nasdaq, Reuters, and Bloomberg.