Since 1991 Richard Breedwell has worked in the financial services industry with a focus on retirement income and investment planning. With a B.S. in finance from Golden Gate University in San Francisco, Richard has managed and owned his firm with offices in the Sacramento area since 1998, when he decided to become an independent financial planner held to the fiduciary standard. As a registered investment advisor, he is licensed to buy and sell market securities, but more than that, he specializes in holistic wealth building to help clients make better financial decisions by providing them with the tools, education materials, and allocation strategies they need. As a fiduciary held to the highest standards in the industry, he works alongside his son, Ryan, and the team at Capitol Planning Group to meet the individual needs of clients by providing unparalleled service in all the areas that can affect the outcome of your financial plan. This includes making better-informed decisions about market risk, taxes, Social Security, pension plans, 401(k) rollovers, long-term care, and legacy planning. Richard is a Dave Ramsey endorsed local financial planner as part of the Smartvestor program. When not running his company or meeting with clients in Northern California, he can be found spending time with his three kids and his wife of 31 years, Debbie Breedwell.
Finances are a big part of our lives. It is important to plan and make prudent decisions regarding our financial future. I can help you no matter where you are in life by taking small steps and setting up goals. I offer comprehensive Financial Planning, Retirement Planning, Income Planning, Social Security Planning, as well as Life Insurance. License number 0K65821.
Erika James, LUTCF
Life Underwriters Training Council Fellow Financial Professional
I started and operated Full Circle Finance and Insurance Services in Martinez, CA from 2002 to 2011. During this time, I worked with clients that were single, married, divorced, widow and widowers, to explore their options and provide direction for their individual needs. My passion is working with Baby Boomers - just like me, to prepare a roadmap for their pre and post retirement years.
In the pursuit of your financial goals, it’s important to identify priorities, understand your options, and implement a strategy. My goal is to look at your needs from a holistic viewpoint to help you prepare a comprehensive financial plan. I enjoy helping my clients plan for social security, Income in retirement, Succession planning, and Life insurance planning.
Terri Sewell has more than 17 years of professional experience helping clients prepare for a successful retirement. She listens to her clients carefully, addressing their unique goals as well as concerns.
Josh and his team have over 33 years of combined financial experience. Before helping individuals achieve their financial goals, Josh enjoyed assisting others as a life and music coach. Josh prides himself on being a national top producer and looks forward to helping many others in the future with all their financial needs.