Michael Richards

Michael Richards joined Convergence Financial in 2024 as an independent financial advisor after years in the financial industry. He brings a unique perspective as a former commodity trader and lifelong member of the farming community, while also working extensively with urban professionals, families, and business owners.

Michael’s advisory philosophy is anchored in four key pillars: Organize, Build, Protect, and Transfer Wealth. By bringing clarity and structure to each client’s financial picture, he helps them not only grow and preserve assets but also plan for smooth transitions — whether that means retirement, passing on farmland, navigating divorce, or transferring wealth to the next generation.

As a Certified Divorce Financial Analyst® (CDFA®) and an Accredited Portfolio Management Advisor℠ (APMA℠), Michael is particularly skilled in guiding people through life’s most important transitions, ensuring that financial outcomes align with both immediate needs and long-term goals. He has a passion for helping farmers, ranchers, landowners, professionals, and families alike, and he considers it a true blessing from God to be able to serve people through this work.

Michael’s focus includes:

• Organize, Build, Protect & Transfer Wealth

• Retirement, estate, and tax-efficient planning

• Risk management and wealth preservation

• Guidance through major transitions (divorce, inheritance, land or business sales)

Michael lives in Stilwell, Kansas, and feels blessed to have three healthy sons: Colton, who lives nearby; Caleb, who is in Victoria, British Columbia; and Blase, who makes his home in Linn, Missouri.

As a family, they share a love for the outdoors — whether it’s hunting, fishing, or just exploring nature together. They also keep busy on their small farm, tending to a mix of animals that include sheep, cattle, and even a pot-bellied pig. These everyday experiences keep Michael grounded, grateful, and closely connected to the same rural values he brings into his work with clients.