Richard "Rich" Carmel

  • LUTCF®

Focus: Insurance Strategies, Investment Strategies

Languages: English

My goal is to provide families and business owners with assistance in building their financial freedom. I have the skills, knowledge and experience required to help meet my client’s established goals. My personal goal is to become a lifetime resource for each and every client.


  • Fixed Annuities
  • Variable Annuities
  • Charitable Giving Strategies
  • Disability Income Insurance
  • Estate Conservation Strategies
  • Education Funding Strategies
  • IRA Consolidation/Rollovers
  • Long-Term Care Insurance
  • Mortgage Protection (through life insurance and disability income insurance)
  • Medicare Supplement Coverage
  • Pension Payout Alternatives
  • Pension Transfer/Rollovers
  • Mutual Funds
  • Tax Sheltered Annuities, 403(b) Plans
  • Term Insurance
  • Universal Life Insurance
  • Variable Universal Life Insurance
  • Whole Life Insurance   


  • Licensed to sell Life & Health Insurance in OH
  • Registered to offer securities products in OH, KY
  • Member of Million Dollar Round Table, 2012


  • 8 year resident of Liberty Township
  • Family-Spouse: Nicole, Daughters: Paige and Ava
  • Hobbies: Golf and Travel
  • Graduate of The College of Wooster


  • Member of St. Maximillian Kolbe Parish
  • Team Leader of The Business Network

See Richard’s Licenses and Disclosures

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Contact Richard

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West Chester Satellite Office - Cincinnati Dayton Road

Satellite Office

8833 Cincinnati Dayton Road Suite 3
West Chester, OH 45069