R&R Financial
Joshua Richardson, CFP® is a fee-only, fiduciary financial advisor and the founder of R&R Financial, a California-registered Registered Investment Advisor. Joshua helps individuals, families, and business owners build clear, actionable financial plans designed to support their goals, reduce stress, and create long-term financial confidence.
Who I Help:
• Individuals and families wanting a long-term financial planning relationship
• Pre-retirees and retirees seeking clarity on income, taxes, Social Security, and RMDs
• Small-business owners and self-employed individuals navigating cash flow, benefits, and retirement plans
• Investors looking for tax-efficient, growth-focused investment strategies
• First-time financial planning clients who want a structured, supportive process
Services I Provide:
• Comprehensive financial planning and goal-based strategy
• Fee-only investment management with a tax-efficient approach
• Year-round tax planning: Roth strategies, capital gains planning, and S-corp optimization
• Retirement planning, including Social Security timing and income distribution strategies
• Small-business financial planning: Solo 401(k)s, SEP IRAs, plan design, and business cash flow
• Risk management and insurance analysis (no product sales)
• Estate planning coordination and beneficiary reviews
Disclaimer: Limitations. This list only serves as a resource to assist an individual in
identifying a potential advisor for their review and consideration. The appearance of an
adviser on the list is not endorsement by NAPFA of that advisor's services. There can be
no assurance that you will experience a certain level of results or satisfaction if you
engage a listed advisor. Except for the NAPFA membership fee, the listed advisor did not
pay NAPFA a separate fee to appear on the list.