Originally from Santiago, Chile, Richard came to the USA in 1984 to study at the young age of 19. His career began in 1989 in the debit life insurance market and eventually took him into the variable and mutual funds industry. His training in Life Insurance and experience in the investment side of the insurance industry has prepared him to reach a broader understanding of how money works and the risk and potential of many of the traditional and non-traditional financial instruments of today. He has become an expert in Life Insurance, and particularly, Indexed Universal Life, as well as many types of Retirement Plans. He has held series 6 and 65 licenses and has a Personal Insurance and Disability LUTC certification that he obtained in 1994. He has made the Sunshine State his permanent residence, where he lives with his lovely wife.
Connect with Richard at https://www.linkedin.com/in/holtheuer
www.holtheuergroup.com