Distinctions that demonstrate our difference

While other teams may either have active portfolio and investment management expertise or financial planning expertise, our team values what each area offers as part of a larger plan, and so we have purposely built our practice with a balanced emphasis on both.

Tricia O’Neil is a Chartered Financial Analyst, while Rob Richardson is a Certified Financial Planner^™ practitioner. We work together to provide a personalized and holistic financial plan, as well as hands-on investment analysis and custom portfolio management.

While we have significant experience in the financial and investment industries (Tricia has over 30 years, Rob has over 15), we are relatively young with many years ahead of us. You won’t have to worry about us retiring before you do. We will be here for you – and for your family.

Based on all the information you’ve shared with us in our discovery meeting, we can help you plan not only for a wide range of needs but also for the milestones and major life events you encounter along the way. We will create a custom financial plan that aligns with your goals, needs and all aspects of your life, providing guidance in matters related to finance, tax mitigation, health, philanthropy and legacy planning.

As hands-on money managers, we personally select and actively manage your investments. Nothing is farmed out to outside money managers so you will always know who is handling your money. That means we review your account and make changes to your investment mix when we believe it is in your best interest. Your life evolves. You shouldn’t expect your portfolio and investments to just remain the same. It’s why we practice active investment management.

Our focus on multigenerational families is the inspiration behind our name – Descendants Wealth Management. The highest compliment we get is when a client asks us to help guide a child and keep them on a successful path. It is a clear demonstration of the trust and faith they have in us. We are often asked to continue to maintain the family wealth after the family patriarch or matriarch passes away given the family’s knowledge of the strong job we have done on the prior generation’s behalf and the trust that generation had in us.

We got into this business because we wanted to help people. We are privileged to serve our clients and take seriously the trust and confidence they place in us. We’re a high-touch team. Our job is to make our clients’ lives easier. This means different things to each client, from organizing the big picture of their financial life to navigating complicated estate planning issues to simply covering conveniences, such as bill paying. It even means being called in on occasion to have open, honest and candid conversations with family members to resolve financial issues.

Raymond James gives us the ability to operate independently while having a wonderful company present to support us when we need it. The firm gives us access to the robust resources, research, technology and trading platform of an international investment services firm while never compromising our ability to focus on what’s most important: offering objective advice and putting our clients’ interests first.

We are not interested in participating in the profit-driven mandates or product-driven culture of some Wall Street firms, but in delivering well-reasoned advice and guidance to our clients – which attracted us to join Raymond James.