Richard J. Desman, CFP®, CLU®, ChFC® is a Partner and Financial Advisor at Cardinal Wealth Management, LLC. Rick has over 40 years of experience in the Financial Services Industry. He earned a B.S. degree from Ohio University in 1971, and holds several prestigious professional designations. Rick has served his local community by hosting “Moneyline”, a local radio talk show for 14 years, and co-hosting with Greg Metcalf, a local TV program called “Financial Focus” for 3 years. He had also written a financial column for our local newspaper in the Sunday edition for over 4 years. Rick taught an adult investment course at the Joint Vocational School for 5 years, and on the state level produced and taught Continuing Education courses for the Ohio Bar Association and the State Board of Accountancy. He specializes in the Senior Market and uses his experience to provide products and services to help his clients reduce risk and provide legacy planning for their heirs. Rick is active in the local community and currently serves as the Chairman of the Jefferson County Board of Elections. He resides in Steubenville with his wife, Mary Jane, and they are proud parents of two adult children, Garrett and Courtney.