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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!
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)
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