Empowering You To Achieve
Your Ideal Financial Future
Richard E. Nerad, AIF® AAMS® CRPC®
Email: rick@nd-wm.com
Rick was born in Chicago, Illinois and was raised in the suburbs north of the city. He attended and graduated from the University of Wisconsin-Madison in 1987, receiving a bachelor’s degree with a double major in history and journalism. He then returned to Chicago, residing in the city and beginning his career in the finance and insurance industry. In 2003, Rick began working for a national brokerage firm as an investment representative and then relocated to San Diego, accepting a position with American Express Financial Advisors, which was known later as Ameriprise Financial. After meeting Steve Deppe, the two began working closely together and soon became franchise owners of an Ameriprise Financial advisory practice.
Rick earned the AIF® (Accredited Investment Fiduciary) in 2019, the CRPC® (Chartered Retirement Planning Counselor), and the AAMS® (Accredited Asset Management Specialist) designations from the College for Financial Planning in 2006 and 2007. Rick is very proud of the business he and Steve have worked hard to build, providing prudent, thoughtful advice and detail-oriented service for their clients. Most important are the relationships they have with their client "family"!
In addition to spending time at the office and keeping in touch with clients, Rick enjoys photography, reading, hiking and watching classic films with his wife Patty. Despite being from Chicago, he is a big Padres fan!
Designation Disclosure
Accredited Asset Management Specialist (AAMS®)
The College for Financial Planning® awards the AAMS® designation to students who successfully complete the program, pass the final examination and comply with the Code of Ethics, which includes agreeing to abide by the Standards of Professional Conduct and Terms and Conditions. Applicants must also disclose of any criminal, civil, self-regulatory organization, or governmental agency inquiry, investigation, or proceeding relating to their professional or business conduct. Conferment of the designation is contingent upon the College for Financial Planning’s review of matters either self-disclosed or which are discovered by the College that are required to be disclosed. Continued use of the AAMS® designation is subject to ongoing renewal requirements. Every two years individuals must renew their right to continue using the AAMS® designation by completing 16 hours of continuing education and reaffirming to abide by the Standards of Professional Conduct, Terms and Conditions, and self disclose any criminal, civil, self-regulatory organization, or governmental agency inquiry, investigation, or proceeding relating to their professional or business conduct.
Chartered Retirement Planning Counselor (CRPC®)
The CRPC® is offered by The College for Financial Planning®. The CRPC® Program focuses on the pre- and post-retirement needs of individuals. Enrollment in the program guides you through the retirement process, addressing issues such as estate planning and asset management. The College for Financial Planning® awards the Chartered Retirement Planning CounselorSM and CRPC® designation to students who: successfully complete the program; pass the final examination; and comply with the Code of Ethics, which includes agreeing to abide by the Standards of Professional Conduct promulgated by The College for Financial Planning®. Applicants must also disclose of any criminal, civil, self-regulatory organization, or governmental agency inquiry, investigation, or proceeding relating to their professional or business conduct. Conferment of the designation is contingent upon the College for Financial Planning’s review of matters either self-disclosed or which are discovered by the College that are required to be disclosed. Successful students receive a certificate and are granted the right to use the designation on correspondence and business cards for a two-year period. Continued use of the CRPC® designation is subject to ongoing renewal requirements. Every two years individuals must renew their right to continue using the CRPC® designation by: completing 16 hours of continuing education and reaffirming to abide by the Standards of Professional Conduct, Terms and Conditions, and self-disclose any criminal, civil, self-regulatory organization, or governmental agency inquiry, investigation, or proceeding relating to their professional or business conduct.
Accredited Investment Fiduciary (AIF®)
The AIF® designation certifies that the recipient has specialized knowledge of fiduciary standards of care and their application to the investment management process. To receive the AIF® designation, individuals must complete a training program, successfully pass a comprehensive, closed-book final examination under the supervision of a proctor and agree to abide by the AIF® Code of Ethics. In order to maintain the AIF® designation, the individual must annually renew their affirmation of the AIF Code of Ethics and complete six hours of continuing education credits. The certification is administered by the Center for Fiduciary Studies, LLC (a Fiduciary360 (fi360) company).
Steve Deppe, CMT®
Email: steve@nd-wm.com
Steve was born in Staten Island, New York and raised in Metuchen, New Jersey. He attended Boston University on a track and field athletic scholarship (400m, click here) and received a bachelor’s degree in business administration with a concentration in finance. Upon graduating, Steve began working for American Express Financial Advisors in Boston, Massachusetts. After a successful start to his career, he was promoted to the roles of manager and financial advisor in the San Diego office of Ameriprise Financial. There he managed a team of as many as thirteen advisors while also studying portfolio management and financial planning. It was during this time that he met Rick Nerad and the two began working together, combining their synergistic skills while sharing one common belief: the client comes first.
Steve is a Chartered Market Technician® (CMT) and is a member of the CMT Association. He is also a member of the American Association of Professional Technical Analysts (AAPTA). Steve is passionate about technical analysis and its role in helping investors identify equitable rebalancing opportunities over the full investment cycle. He is energized by the responsibility of managing investment portfolios on behalf of his clients, as well as the impact that prudent and disciplined portfolio management can have on his clients' financial well-being.
Steve is the proud father of his daughters, Camryn and Chloé, and his son, Carter. In his free time, he enjoys leading an active and healthy lifestyle with his wife Kat. He's an avid sports fan, just ask Colin Jost! (click here)
Designation Disclosure
