Originally from Yonkers, NY, Ric fell in love with Vermont when he started summering here in 1958.  He graduated from the University of Vermont in 1967 and, right out of college went to work for New England Telephone.  When an opportunity arose to go to work with Connecticut General selling life insurance, he took it and entered the financial services business.  From 1968 to 1982, Ric worked for Smith Bell & Thompson in Burlington and at United Underwriters in Exeter, NH.  Ric met his wife, Teena in 1977 and married in 1980.  They both missed Vermont and in 1982, decided one weekend to return to Vermont and start their own business together—Flood Financial Services.

Ric has been active in the community over the years, including a United Way volunteer, past president of the Vermont Kidney Association, past president of the Vermont Society of Financial Service Professionals and past president and active member of the Charlotte Shelburne Rotary club.

In his free time, Ric is an avid golfer and aspires to play all the PGA Professional golf courses in the US (he has 30 courses under his belt so far).  Ric and Teena have an active group of bicycling friends who regularly ride when the weather permits and have recently taken to traveling to Europe on bike and barge trips together.  As the group ages, they remain active but jokingly say that, “we used to be a biking group with an eating problem, and now we are an eating group with a biking problem.”

Ric and Teena live in Charlotte.  Their daughter, Megan joined the practice in 2018.  Ric’s son, Randy lives near St. Michaels, MD as does Ric's daughter, Deedee and her two children. 

• Branch Manager, Registered Principal: LPL Financial
• Holds FINRA Series 24, 63, 7, 42 and 65 registrations with LPL Financial
• Investment Advisory Representative of LPL Financial 
• (CRPC) conferred by College for Financial Planning.