EPA Financial Services, Corp.


The first appointment won't cost you a thing but the information you get could be priceless!






Below is a link to our latest EPA Financial Services, Corp. Newsletter.  You can also view all of our latest newsletters by clicking on the link to the right of this page that says "EPA Newsletters".


WINTER 2014 Newsletter






Bob Richards and EPA Financial Services, Corp. were proud to be a  sponsor of the HEROES vs. LEGENDS Home Run Derby and Softball Game that was held Friday, October 10, 2014 at the BlueClaws Stadium.

We are so proud to announce that our sponsored Softball Home Run Derby Canidate, Junior Bowker was tied for the most home runs going into the last round of the Home Run Derby and Junior went on to place 2nd overall.  Junior also hit 2 home runs in the HEROES vs. LEGENDS softball game.  This is a tremendous cause and a fun night for all that were attendance.  Congratulations Junior Bowker and everyone who participated in this great event.



EPA Financial Services Corp. 

proud home of the popular weekly radio talk show

Managing Your Money "

Heard Every Saturday Morning from 9-10 a.m.

on WOBM-AM 1160 AM & 1310 AM



20 + Years

on the air!





Special Links

Below are two very important links for anyone thinking of retiring or who is already retired.  

There is a wealth of information on both of these sites.  We encourage you to click on the links below to gain more information.

Don't forget OPEN ENROLLMENT  ends December 7, 2014.


Medicare Website


Social Security Website






Robert J. Richards Sr. (Bob) and his wife, Jeanne Richards started EPA Financial Services, Corp. in 1977 as a way to help people like you and your family pursue your financial goals. Bob and Jeanne have worked tirelessly to build a family oriented practice, where our clients and our advisers are treated like family.  Whether it is holding a client's hand through the tough times, giving a shoulder to cry on, or sitting down for a cup a coffee to just talk, Bob and Jeanne treat everyone with the respect and compassion they deserve.  Bob is continuously educating himself on new techniques, new investment strategies, and on all the new products available to our clients.  Bob enjoys what he does, he enjoys his clients, and it shows.  While Jeanne volunteers endlessly for the Ocean County Juvenile Detention Center, Bob enjoys traveling the country playing competitive Softball. 


Upon graduating college, their daughter, Heather Richards-Barone ,  taught Elementary School.  After a few years, something called her back to the job she started while in high school.  Heather joined EPA Financial Services, Corp. full time  in 2003.  Since then she has worked hard doing double duty as the VP of Operations as well as an Financial Adviser to her many clients.  Heather knows how to multi-task like the best of them.  She's able to juggle day & night appointments, raising two sons, and taking care of her household, all awhile running our office.  Clients are comfortable with Heather and her ability to get things done.  She is a fierce advocate for all our clients at EPA Financial Services, Corp.

EPA Financial Services, Corp. is home to the popular radio talk show "Managing Your Money", heard every Saturday morning from 9-10 am on WOBM-AM 1160 & 1310.  During this hour, the Richards' family discusses a variety of financial topics, such as current economic conditions and events, and upcoming economic changes.


The Richards Family and EPA Financial Services, Corp. are known for treating their clients like family.  What they do as advisors directly effects their own family(s)  so they will always work in your best interest.     


Your Family's Finances Are Our Family's Business 

 Call today for a 1-Hour - NO Obligation Consultation @


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