About Us
Today’s economic environment brings challenges. But along with challenges come opportunities and potential rewards. We work closely with our clients to evaluate those opportunities and reap those rewards.
Rick Lerner CFP®
PRESIDENT, LERNER FINANCIAL, LLC /
FINANCIAL ADVISOR, RJFS
Rick Lerner, is a fee-based CERTIFIED FINANCIAL PLANNER® professional, and an Investment Adviser Representative. Rick owns Lerner Financial, LLC, which is an independent practice, based in Greenwood Village, CO. The team at Lerner Financial offers financial planning for The Greater Denver Metro area.
Rick is affiliated with Raymond James Financial Services, a subsidiary of Raymond James Financial, Inc. which is a diversified financial services holding company with subsidiaries engaged primarily in investment, financial planning, investment banking and asset management. Raymond James stock is traded on the New York Stock Exchange (RJF).
Rick has been in the financial services business for over 30 years. The primary focus of his practice is working with his clients in the area of pre-retirement wealth accumulation and developing post-retirement wealth distribution strategies.
Rick is a member of the Financial Planning Association. He holds a BA Degree from Whittier College and an MBA from Tulane University. He is a Denver native and resides with his wife, Marlene, in Centennial, CO.
Rick’s education and credentials:
- Certified Financial Planner® Professional
- Master’s in Hospital Administration, Tulane University
- Bachelor’s in Biology and Business, Whittier College
- Investment Adviser Representative, Raymond James Financial Services Advisors, Inc.
- Registered Representative and Branch Manager, Raymond James Financial Services, Inc.
In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2A as well as the client agreement.
*Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organizations initial and ongoing certification requirements to use the certification marks.
Terra Joines
CLIENT RELATIONSHIP MANAGER
One of our core philosophies is to “Put the Client First.” Terra is key to carrying out that philosophy. As Lerner's client relationship manager, Terra is responsible for the daily operational aspects of our office.
Terra has over 20 years of experience within the financial services industry. She has worked directly for fund companies, trust companies and independent advisors. She has a vast knowledge of all sides of the financial industry.