About Reding Financial Group
Smart, Straightforward Guidance for Your Retirement
Hi, I’m Rick Reding.
I founded Reding Financial Group with a simple goal: to make sure you don't spend your retirement worrying about market headlines or running out of money. You've worked hard to build a nest egg, and our job is to help you make sense of it—turning complex financial choices into a plan that actually supports the life you want to live.
For over 35 years, I’ve sat across the table from individuals and families here in Northern Nevada and across the country. Most of the people who walk through our doors aren’t starting from scratch. They’ve built a meaningful life and a solid foundation. Now, they are facing a major transition and asking a critical question:
“How do I protect what I’ve built, and make sure it reliably supports my family for the long haul?”
That is where we come in.
What We Focus On
We don’t believe in “set it and forget it” planning. Market cycles shift, tax laws evolve, and your investments need the flexibility to adapt. We focus heavily on the distribution phase of life:
Tactical Wealth Management: Active risk management designed to protect your downside, rather than just passive, hands-off investing.
Retirement Income Strategies: Designing dependable cash-flow plans built to last.
Tax-Efficient Distribution: Structuring how and when you draw from your accounts so you keep more of what you’ve earned.
Long-Term Care Protection: Safeguarding your core assets from unexpected family health events so your wealth stays intact.
Legacy & Estate Support: Ensuring your hard work transitions smoothly to the next generation without creating administrative headaches for your kids.
Why This Work is Personal
My appreciation for a well-planned life started long before I earned my financial licenses—it goes back to a lakeside cabin in Minnesota.
My grandparents lived with deep intention. They were frugal, loved fishing, playing cards, and hunting for garage sale treasures (a true Midwestern thing). They were able to retire early not because they had millions, but because they made wise, deliberate choices with what they had. That mindset—simplicity, value, and freedom—is woven into the DNA of our firm.
As leadership expert Dr. John Maxwell famously said:
“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 solid relationships, good counsel, and having the right support along the way.
Meet the Team
Reding Financial Group is a family-owned firm built on shared values and real-world experience.
Teresa Reding — Co-Founder
While I handle wealth management and portfolio strategy directly with our clients, my wife, Teresa, is the co-founder of our firm. Having helped build this practice from the ground up, she continues to provide high-level organizational and background support.
Teresa works away from daily office operations these days, serving as a steady sounding board and keeping our firm rooted in its family-first culture.
Building this business together over our 40-year marriage has been an incredible journey. Together, we’ve lived the exact caregiving realities many of our clients face. Teresa spent five years caring for her mother in our home, and our family holds the cherished memory of our special needs child who passed away recently. We didn't learn about long-term care and estate protection from a textbook—we lived it. That experience completely grounded how we help families protect their independence before a health crisis hits.
Today, our favorite role is being grandparents to our grandkids—they are easily the best part of this season of life.
Our Strategic Operational Alliance
To ensure our paperwork and account processing move with enterprise-level speed and precision, we maintain a close operational alliance with our colleagues at Prospero Wealth in Roseville, California. Through this regional partnership within the Osaic Wealth network, Reding Financial Group utilizes a shared, specialized back-office support team.
This collaborative infrastructure handles routine administrative tasks entirely behind the scenes, so my focus stays exactly where it belongs: on you and your strategy.
Backed by Strength, Focused on You
Through our affiliation with Osaic Wealth, Inc., we leverage the advanced planning platforms, institutional technology, and deep resources of a national network, allowing us to build fully customized financial strategies.
Because real wealth protection requires looking at the full picture, I hold multiple professional securities registrations (Series 6, 63, 22, 62, and 65) alongside specialized licensing in life, health, and Long-Term Care (LTC) insurance.
Where We Serve
Based in the Reno/Sparks area of Northern Nevada, we proudly serve our local community right here in Washoe County. Thanks to modern virtual tools, we also partner with families across the country. Whether we meet in person or virtually, our approach is always the same: Personalized. Strategic. Honest.
Let’s Build a Plan for Your Future
Our first priority is helping you take care of yourself and your family. Long-term relationships built on open, honest communication are the cornerstone of our firm. If you’re ready to take a more intentional approach to your retirement and legacy, let’s start a conversation.
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