Rick started his law practice 35 years ago.  Rick also founded the CFS Group, LLC, with Bruce Haydu, almost 20 years ago.  The CFS Group, LLC is a national life insurance general agency specializing in a differentiated “best in class” premium finance program, designed for individuals and families with net worth in excess of $10 million or for an individual, business owner or professional making in excess of $250,000 annually.

Following law school, Rick worked as a tax attorney for the accounting firm of Deloitte and Touche in Connecticut.  He specialized in personal taxation, financial and estate planning for high net worth families and business owners and also family philanthropic planning.  It was at this time that Rick also completed his Certified Financial Planning certification.

Subsequent to working at Deloitte and Touche, Rick started his own law practice and taught college level Business Law courses.  Rick’s practice focused on estate planning, asset protection, business planning and succession, as well as personal and family philanthropic planning.  Rick also lectured on these topics nationwide, having taught law topics in over 50 cities.  Rick also supervised the planned giving programs of several nationwide, large charities.

Rick is a founder and managing member of The CFS Group, LLC, which specializes in advising wealthy families and business owners, regarding all aspects of premium financed life insurance.  Rick and Bruce are particularly versed in explaining to potential clients, the differences between superior and inferior premium finance programs.  All CFS Group clients are invested only in long-term, successful and tested premium finance programs.

Rick is a regular participant in continuing education and wealth conferences, life insurance study groups and family office conferences.  His personal interests include all outdoor sports, community service and philanthropic endeavors.  Rick also serves the NY Guard as a Major and is the State’s Chief Legal Services Officer.