About Reding Financial Group
About Reding Financial Group
Smart, Straightforward Guidance for Your Retirement
Hi, I'm Rick Reding. For over 35 years, I've worked with individuals and families here in Northern Nevada and across the country who aren't starting from scratch — they've built something real, and now they're facing a big transition: How do I protect what I've built and make sure it reliably supports my family for the long haul?
That's the question we answer. Unlike advisors focused on growing your money, we specialize in the distribution phase — the years when you're actually living off what you've saved. That means active risk management instead of "set it and forget it," dependable income planning, tax-smart withdrawals, long-term care protection, and making sure your legacy transfers smoothly instead of creating a headache for your kids.
Why this work is personal
My appreciation for a well-planned life goes back to a lakeside cabin in Minnesota. My grandparents were frugal, loved fishing and cards and garage-sale treasure hunting, and retired early — not because they had millions, but because they made wise, deliberate choices with what they had. That mindset is baked into how we work.
As leadership expert John Maxwell put it: "If you see a turtle on a fence post, you know he didn't get there by himself." A secure retirement is rarely a solo effort — it's built on good relationships and the right support along the way.
Reding Financial Group is a family firm — my wife Teresa co-founded it with me and keeps us rooted in that family-first culture. We've also lived the realities many of our clients face: caregiving, health crises, and protecting what matters most when life doesn't go as planned. We didn't learn long-term care planning from a textbook.
Backed by real resources, focused on you
Through our affiliation with Osaic Wealth, we have access to institutional-level planning tools and technology — and full licensing across investments, insurance, and long-term care — so we can build strategies that are actually customized, not off-the-shelf.
Based in Reno/Sparks, we work with clients throughout Washoe County and, virtually, across the country. However we meet, the approach is the same: Personalized. Strategic. Honest.
If you're ready for a more intentional approach to your retirement and legacy, let's talk.
