Senior Vice President, Investments



Throughout his 32-year career as a financial professional, Rick Fontana has realized immense satisfaction in facilitating the financial independence of his clients by focusing on their unique needs and specific goals. He takes great pride in the fact that he is instrumental toward attaining success in those goals.

He holds Series 7, 63, 65, life and health insurance licenses and is a CERTIFIED FINANCIAL PLANNER™ practitioner. His objective is to deliver a well-designed, confident long-term financial planning experience while managing it from inception to beyond its implementation and for some generations to come.

Rick maintains a strong background in investment selection, particularly fixed-income investments, asset allocation strategies and value-oriented stock selection, and wants his clients invested appropriately for their risk tolerance. He believes it is vital they have realistic expectations for returns. His expertise, while inclusive of investments, extends to those financial matters and events that impact the lives of his clients.

Prior to joining Raymond James in 2013, he was a first vice president with Smith Barney (currently Morgan Stanley) for 23 years. He had spent 10 years at Ryan Beck & Co., prior to joining Smith Barney, where he was vice president. He earned a bachelor’s degree in political science from William Paterson University in Wayne, New Jersey, in 1976 and completed his CFP studies at Fairleigh Dickenson in 1992.

Throughout his career, Rick has always been involved in the community. He is a former Freeholder in Somerset County, having served 12 years on the Board of Freeholders. He is a member of the Somerset County 4H Association, Somerville Elks, and a Community Board Member of Family and Community Services of Somerset County. He serves as a Commissioner on the Board of Elections in Somerset County. He also serves on the board of the Somerset County Business Partnership and the Community Visiting Nurse Association.

In 2011, the Somerset County Business Partnership recognized Rick as Citizen of the Year for his contributions to the community. He was also inducted by Essex Catholic High School into its Hall of Fame in 2011. Rick was born in Newark and grew up in the Nutley-Montclair area of northern New Jersey. He lives in Bridgewater, New Jersey, and Punta Gorda, Florida, with his wife, Karen. They have two children, Zachary and Kenneth. In his free time, Rick enjoys sailing, playing guitar and performing in benefit concerts for charitable organizations.



Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.


In life, it’s important to find a financial planner you trust to provide sound, unbiased advice and professional services. Being CFP® certified means someone has voluntarily taken the extra steps needed to provide the highest possible standard of financial planning to those they serve. To become a CERTIFIED FINANCIAL PLANNER™ professional one must pass the comprehensive CFP® Certification Exam, have a minimum of three years’ professional experience in financial planning process and must be approved by the CFP Board, which involves an extensive background check – including an ethics, character and criminal check. To maintain certification, CFP® license holders must complete 30 hours of continuing education accepted by the CFP Board every two years.

How does working with a CFP® certified advisor benefit you? CERTIFIED FINANCIAL PLANNER™ professionals are held to the utmost standards of ethics and professional responsibility, which prepares them for a career-long commitment to provide truly personalized services to meet your needs; all while maintaining high levels of financial planning and professionalism. CFP® professionals maintain their professional edge through ongoing education and training in addition to the rigorous requirements to represent a high level of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when working with you.