Richard Tso

Richard’s approach to building financial strategies is based on a simple principle: people first. He believes the most important part of his work is listening carefully to clients’ stories and helping them turn their goals into clear, actionable strategies. Whether the conversation is about retirement, family protection, or building wealth through disciplined planning, Richard is committed to guiding clients with transparency and care.
Before joining GoldBook Financial, Richard served six years in the United States Navy as a Machinist Mate Second Class aboard the USS Columbia (SSN-771), stationed in Pearl Harbor, Hawaii. This experience shaped his resilience, attention to detail, and ability to lead under pressure — qualities he now brings to every client relationship.

Richard earned his Bachelor of Science in Business Administration – Finance and Blockchain Technology from the University of Southern California. He complemented his studies with hands-on experience in student investment funds, gaining practical exposure to portfolio management and disciplined decision-making. His blockchain studies broadened his perspective on forward-thinking investment strategies and strengthened his ability to adapt to innovation and fast-paced growth.

Today, Richard partners with clients across a wide range of planning areas, including investment strategies, retirement readiness, tax-efficient wealth accumulation, and protection planning. He leverages the resources of MassMutual and GoldBook Financial’s network of professionals to deliver comprehensive guidance tailored to each client’s needs.

Outside of his practice, Richard enjoys rock climbing, sweep rowing, and playing blues riffs on his Fender Stratocaster.

Richard holds FINRA Series 7 & 66 and is Life, Accident and Health licensed.

CA Insurance License # 4389800, domiciled in CA.

Qualified registered representatives of MML Investors Services, LLC have access to Exchange Traded Products that hold cryptocurrencies but cannot facilitate direct purchase into this type of asset. Bitcoin and other digital assets are an emerging asset class. The continued development of blockchain technology and the value ascribed to Bitcoin are not guaranteed.

CRN202808-9330812