Richard (Rick) Spruill, CSA

“Today more than ever, Seniors need someone who truly cares to be on their side: I would like to be that someone.”

Rick Spruill has been in the financial services business for over 34 years (Since 1974) in the Hampton Roads/Tidewater Virginia Area . He is currently the owner operator of Spruill Financial Services and the President of Asset Protectors Inc. Since June of 1990, this firm has been providing Financial, Estate, Safe Investing, Annuity and Insurance Consulting, and is considered an expert in Retirement Planning, IRA’S/401K’S/403B’S AND Company Buy Outs, With the most tax efficient way of distributing those proceeds at retirement and/or Death.

Five years ago (after becoming a Certified Senior Advisor) The firm added Expertise in Reverse Mortgages and The Proper Cash flow planning with them to enable Seniors to stay in their homes , improve their retirements, Increase their incomes and sometimes just save their homes from foreclosure and/or Medicaid Spend down…

At Spruill Financial our clients make money in a good market but never loose money in a down market…