Broker Check

At our firm, we put the client first...always.

We that care deeply about improving your world and we do the hard work to help make it happen.  It's not just about your money, it's about your life.  Our job is to have good people, a good process, and good judgment to help our clients make smarter choices.  Our culture is unlike any other firms in our industry.  We like it that way.

We help those planning to retire, focusing on where your life meets your finances.  We assist in answering the question, “Will your money last?” and help to keep those already retired on track.  Lastly, we help to simplify the complicated topics for those looking for a change.

In short, we help clients live their best financial life.

At our firm, we have the client—and only the client—in mind.

Our goal is to give you financial clarity and genuine control over your financial life.  We have developed a dynamic process based on the life you want to lead and continually adapt to the changing world and your needs.  After all, isn’t ensuring that you can live the life you want what a wealth manager is for?  Conventional wealth management doesn’t address what really matters.  It’s more about the money than your life.  We aim to provide clarity, confidence and control.

Our typical client has between $250 thousand and $10 million dollars of investable assets, and have included affluent families, Fortune 500 executives, entrepreneurs, professional musicians and athletes, and every day Americans.

No one strategy fits everyone, which is why every client gets our undivided attention—from planning to execution to follow-up. We take a proactive approach to helping you develop a strategy to address your financial goals and objectives, using the most efficient methods available.

Tricia Cooper

Tricia Cooper

Director of Professional Development/Employee Relations - PCIA

Chris Bouffard

Chris Bouffard, CFA®

Managing Director, Wealth Management - PCIA

Chris Osmond

Chris Osmond, CFP®, CFA®

Chief Investment Officer - PCIA

Anthony Woodard

Anthony Woodard

Chief Compliance Officer - PCIA

Client Centered

Client Centered

Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses your needs, wants, and long-term goals.

Our team of professionals have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you.

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Frequently Asked Questions

YES.  The SEC's definition of a fiduciary demands that we act in your best interests at all times, and always put your interests above our own.  A Fiduciary is a much higher level of accountability than the suitability standard required of stockbrokers.  Our fiduciary standard requires a duty of loyalty and care for clients.  For example, we cannot buy securities for our own accounts before buying them for clients, and we are prohibited from making transactions for clients that generate commissions or other compensation for ourselves.  In short, we work very hard to avoid conflicts of interest, providing us the independence and objectivity to make recommendations that will always put you first.

Charles Schwab is the preferred custodian we utilize for our clients; however, we are working to add other custodians in the near future.

Does PIER Financial Advisors have "custody" of my money?

No. Your money is always held with a 3rd party custodian (Charles Schwab). We are granted limited rights such as trading, disbursement to your address of record and limited withdrawal rights as it only pertains to our agreed-upon fees (of which the custodian will monitor and authorize release).

No. Your investments are ALWAYS held in your specific account, under your name (or trust or entity of your direction) and your tax ID number. Your money is separate and distinct to you.

Does Pier Financial Advisors have access to my funds?

We have limited access to just trading and the collection of our agreed upon fee which the custodian monitors.  We have the ability to process distributions to your address of record and to accounts for which a signed authorization by you is registered with the custodian.

Can Pier Financial Advisors wire money, or distribute funds to a 3rd party, without my signature authorization?


Many of our retirees receive scheduled monthly deposits to their preferred banks.

Yes. However, that needs to be done via your signature and set up and authorized by the custodian.

The custodian will require a signature from all the account holders to change the address. Both Pier Financial Advisors and the account holder are notified of such a change.

Yes.  There are a number of quality checks performed.  Pier Financial Advisors is supervised by PCIA, and from time to time, regulators and PCIA may audit our firm.

Yes, our clients have 24/7 access to view their account information through Schwab Alliance.  See the "Client Login" button at the top of this page.

Yes, our conversations are confidential. We adhere to industry and professional ethics standards. Since we are not attorneys, however, our files and our staff can be compelled by court order to share information.

What is the difference between discretionary and non-discretionary management?  What will I have if I work with Pier Financial Advisors?

Non-discretionary management means that the client needs to approve the timing, amount and pricing of each trade. Discretionary trading allows your advisor to make transactions where appropriate on your behalf without your approval on each transaction. Pier Financial Advisors operates on a discretionary basis, which allows us to rebalance, replace investments and manage the collective investments of our clients in an efficient and timely manner. For each client, before we invest money, we come to a mutual agreement regarding the asset allocation and risk levels, and we stick to those agreed-upon parameters. If we deem a change to those parameters to be warranted, we obtain permission with the client on those modifications.

What if something happens to Rik Ditter, Pier Financial Advisors, or Prime Capital Investment Advisors?

Your money is held directly with the custodian, and we are simply a servicing advisor you have linked to your accounts. While we have disaster recovery plan and backup systems in place, you can always assign a new advisor with the stroke of a pen.

What happens if Schwab goes out of business?

With how the financial industry is structured, your funds are not assets of the custodian (with the exception of “cash” or money market funds, which have SIPC protection limits). In the unlikely event they were to go out of business, you can transfer your funds to another institution (i.e., just like the brokerage clients of Lehman Brothers and Bear Stearns did in the 2008 crisis).

Who is Prime Capital Investment Advisors?

In selecting a firm, we took great care to ensure that from day one we would have all the necessary operational support to allow us to efficiently focus on serving you. To that end, we are proud to be affiliated with Prime Capital Investment Advisors (PCIA). PCIA is a partner-owned and operated financial services firm that works with numerous independent financial advisors nationwide. The firm provides experienced financial advisors with a reliable infrastructure and resources that allow them the flexibility to develop and grow their own businesses. PCIA offers operational and strategic resources to Pier Financial Advisors, and has assembled a large, dedicated and experienced team to assist Pier Financial Advisors in the execution of full-service solutions for their clients.

*Rankings based on qualitative and quantitative components, including assets managed, size and experience of teams, and the regulatory records of advisors and firms.