Steven L. Rich
CLTC®, RICP®, CFF®

Retirement Income Planning & Insurance Product Specialist

Steven L. Rich is a retirement income planning and insurance product specialist with One Team Financial, LLC. With more than a decade of experience as a financial services professional, Steven provides comprehensive financial planning strategies to pre-retirees and retirees whose financial goals include building wealth and maintaining financial security for themselves and their families.

Steven’s top priority and mission is to provide caring attention with comprehensive and impartial insight, enabling clients to act with confidence and ease planning their financial future. To do so, he provides an in-depth and objective analysis to help optimize assets to work together. He creates a cash flow analysis, Social Security optimization plan, reviews and recommends investments, insurance options (including legacy planning), Medicare options, long-term care and tax strategies. He strategically incorporates his analytical results into a holistic financial plan to help clients optimize wealth, providing reliable income throughout retirement.

Steven’s financial acumen was shown to be razor-sharp at an early age by setting goals beyond his years. While others were enjoying sea and surf, Steven was working toward a brand-new moped by summer’s end. He was always pushing himself toward certain achievements. Steven is one of the contributors to the formation of The One Team Financial Team established in 2019. Previously, he was an independent agent at Mass Mutual and International Planning Alliance. An athlete all of his life, playing all the way to the collegiate level, Steven has a deep understanding of teamwork and strategies. He firmly believes in One Team Financial’s approach of collaboration with other financial experts within the organization to provide the utmost value for their clients. Steven is a graduate of the Catsakos School of Business at William Paterson University.

Steven is the president of the Spring Lake Chapter of the American Financial Education Alliance (AFEA), a 501(c)(3) non-profit organization providing vital financial education programs to residents in the communities throughout New Jersey. Through this organization, Steven gives back to the community by regularly teaching classes and educating residents about Social Security claiming strategies, taxes in retirement, myths about annuities and other common financial planning mistakes.

Steven and his wife Amanda have one daughter, Charlotte, and recently welcomed son, Steven Jr. He and his family reside in Spring Lake Heights. He enjoys cooking, DIY projects, beach time with family, riding bikes and relishes living in a close-knit community with everything the Jersey Shore has to offer.

CERTIFICATIONS/AFFILIATIONS

  • Certified Long-Term Care® (CLTC®)
  • Retirement Income Certified Professional® (RICP®)
  • National Social Security Association® (NSSA®)
  • Certified Financial Fiduciary® (CFF®)
  • FINRA licenses 6, 65