A lifetime resident of Northwest Indiana, Richard started in the life insurance and investments business with Prudential Life. After 10 years he changed his affiliation to Horace Mann Insurance Company, dealing primarily with insuring educators with their retirement planning. In 1985 he graduated from the American College with a Chartered Life Underwriter designation, CLU. In 1987 he received his Chartered Financial Consultant, ChFC, from the American College. After his association with Horace Mann he became an Independent Financial Adviser and now works with Creative Financial Designs, CFD, based in Kokomo, Indiana.