James Richardson is a Certified Financial Planner (CFP) with 12 years of experience specializing in portfolio construction, tax-advantaged retirement planning, and macroeconomic risk assessment. He currently serves as Senior Wealth Advisor at a fee-only fiduciary firm managing over $400M in client assets across diverse market cycles.
James Richardson earned his Bachelor's in Economics from Boston University and his CFP certification in 2012, beginning his career as a junior analyst at a regional investment advisory firm before advancing to portfolio manager within five years. He has navigated clients through multiple market corrections, developing expertise in asset allocation strategies, behavioral finance coaching, and tax-loss harvesting optimization. James maintains active Series 65 and 7 licenses and completed advanced certifications in retirement income planning and estate coordination. His practice focuses on translating complex financial concepts—from correlation risk to sequence-of-returns danger—into actionable strategies for clients ranging from young accumulators to pre-retirees managing seven-figure portfolios. He regularly attends CFA Institute conferences and contributes to financial planning forums, staying current on evolving regulations, fintech disruptions, and modern investment vehicles including robo-advisors and cryptocurrency allocation frameworks. James writes to demystify investment principles for self-directed investors who want institutional-quality guidance without the jargon, emphasizing evidence-based decision-making over speculation. His approach combines quantitative rigor with psychological awareness, helping readers avoid common behavioral traps while building resilient, goal-aligned financial plans that compound wealth across decades.