Richard Ligotti
Richard Ligotti is a registered investment advisor at Laguna Niguel Summit Wealth Management, LLC, based in Laguna Niguel, CA, with 27 years of industry experience. Richard operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Estate Planning, Financial Planning & Coaching, Insurance Planning, Retirement Planning, and 1 more.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Fee Structure
LNS does not directly manage investments. Instead, LNS refers clients to third-party investment managers (TAMPs). These managers charge fees that are shared with LNS. The fees range from 1.00% to 2.25% annually, depending on the TAMP selected. LNS helps clients choose and maintain appropriate investment models, determine financial objectives, define risk tolerance, and set account restrictions. LNS may have limited authority to manage the rate at which assets are allocated into recommended investments.
Location
Laguna Niguel, CA
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Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Other Business ActivitiesSells Insurance
Richard is an independent insurance agent in California, offering life, long-term care, and indexed annuities since 2004. This activity takes about 10-20% of his time and is conducted from his office.
Employment History
Current Registrations
Laguna Niguel Summit Wealth Management, LLC
Previous Registrations
Independent Financial Group, LLC
Independent Financial Group, LLCBroker
Afa Advisor Services LLC
Afa Financial Group, LLCBroker
Sentinel Capital Management,inc.
Sentra Securities CorporationBroker
Sigma Financial CorporationBroker
Sii Investments, INC.Broker
State Registrations1 state
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.