My name is Mike Richardson, the President and founder of Modular Financial Solutions, Inc. At first glance you may think that this web site is like many other financial service web sites you have viewed and in some ways you are right. There is a lot of information on my firm and how we provide financial planning services to our clients. Information that should help you decide if our firm is right for you.

In addition to this, I have also included a great deal of information on sound financial planning strategies, principals and techniques that I have learned over the last nineteen years of practice. Although I have acquired a great deal of knowledge from my formal education, I have also obtained a great deal of knowledge from my clients. In many ways my clients have been my best teachers. On this web site you will find some of the lessons learned from my clients as well as additional information you may find useful in thinking about your finances and really your life.

Said another way, you can always find information on the Web, but how you use that information is in many ways more important than the information itself. That is what this web site is all about.

You will not find any product sales information or "hot investment" tips on my web site. As a fee–only financial planner and several years of experience, I have found that the last thing most clients need is a sales "pitch" on the latest financial product to help them with their finances.

As a Certified Financial Planner Licensee™, I am also committed to full disclosure of not only my fees, but any conflicts of interests I have. Since I am not affiliated with any brokerage firm, insurance agency or other financial services company, I have no conflicts of interest. My clients interests always come first. Period.

And that in a nutshell is what I have tried to accomplish with this web site. A clear, accurate description of not only my firm and the services we provide but also some information on how the financial planning process can really make a difference in your life.

As you "click" through the pages of this web site, I hope you will come to understand that.

CFP™, CERTIFIED FINANCIAL PLANNER™ and   are marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP™ Board's initial and ongoing certification requirements.

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