Richard Dragotta

Paramus, NJ Wealth Advisor Specializing in Retirement Income Planning, Investment Management, Tax-Aware Wealth Strategies, and Estate Planning for High-Net-Worth Families

With more than 30 years of experience in the financial services industry, Richard Dragotta is dedicated to helping affluent families, retirees, business owners, executives, and high-net-worth investors navigate the complexities of wealth management and financial planning. As Founder of Integra Wealth Management, Richard works closely with clients to develop personalized strategies that integrate investment management, retirement planning, tax-aware wealth strategies, and estate planning into a coordinated financial roadmap designed to support long-term financial goals.

Based in Paramus, New Jersey, Richard serves clients throughout Bergen County, Northern New Jersey, and across the country. His approach is founded on the belief that effective wealth management extends beyond investment selection. Today’s successful families often face sophisticated financial decisions involving retirement income, taxes, healthcare costs, estate planning, wealth transfer, charitable giving, and changing market conditions. Richard helps clients organize these interconnected areas into a comprehensive planning framework tailored to their unique circumstances, goals, and priorities.

Professional credentials and experience

Richard holds the prestigious Chartered Financial Consultant® (ChFC®), Accredited Investment Fiduciary® (AIF®), and Chartered Retirement Planning Counselor™ (CRPC®) designations. These advanced credentials reflect specialized education in comprehensive financial planning, fiduciary principles, retirement income planning, investment management, and wealth accumulation and distribution strategies.

In addition, Richard holds multiple securities registrations through LPL Financial, Member FINRA/SIPC, where he serves as a Registered Representative and Investment Advisor Representative. He remains committed to ongoing professional education and staying current with the evolving financial planning and investment needs of affluent individuals and families.

Throughout his career, Richard has worked with clients seeking guidance through many of life’s most significant financial decisions. His experience includes helping individuals and families address retirement planning challenges, investment portfolio management, retirement income distribution strategies, concentrated stock positions, business succession planning concerns, estate planning objectives, charitable giving goals, and multigenerational wealth transfer strategies.

A primary focus of Richard’s practice is retirement income planning. As investors transition from accumulating wealth to generating income from their assets, financial decisions often become more complex. Richard helps clients evaluate retirement income sources, Social Security considerations, portfolio distribution strategies, required minimum distributions, and long-term income sustainability as part of a comprehensive retirement planning process.

Tax-aware wealth management is another cornerstone of Richard’s planning philosophy. While neither Integra Wealth Management nor LPL Financial, Member FINRA/SIPC, provides legal or tax advice, Richard frequently collaborates with clients’ CPAs and tax professionals to help identify opportunities that may improve overall tax efficiency within a broader financial plan. Areas of focus may include retirement account distribution planning, Roth conversion considerations, charitable planning strategies, and investment-related tax considerations.

Planning approach, investment management and legacy

Richard believes that comprehensive planning is best achieved through collaboration. Clients may benefit from coordination with a CERTIFIED FINANCIAL PLANNER™ professional on the Integra Wealth Management team as part of the firm’s comprehensive planning process. This team-based approach allows for deeper analysis and coordinated planning across retirement strategies, cash flow management, investment planning, risk management, tax-aware wealth strategies, and estate planning considerations.

Investment management serves as an important component of the overall planning process. Richard believes investment strategies should be aligned with each client’s objectives, risk tolerance, time horizon, liquidity needs, and overall financial circumstances. Through disciplined portfolio construction, ongoing monitoring, and regular reviews, he helps clients maintain alignment between their investment strategies and long-term financial goals.

Estate and legacy planning are also integral components of comprehensive wealth management. Richard works collaboratively with estate planning attorneys and other professionals to help clients align wealth transfer goals with family priorities, charitable interests, and long-term legacy objectives. His focus is on helping clients create an organized framework designed to preserve and transfer wealth according to their wishes.

As a Registered Representative and Investment Advisor Representative with LPL Financial, Member FINRA/SIPC, Richard provides clients access to a broad range of investment and wealth management resources while delivering personalized financial planning and investment guidance. At Integra Wealth Management, he is committed to building long-term relationships based on trust, communication, and individualized service.

Whether helping clients prepare for retirement, manage substantial assets, navigate major life transitions, or develop a legacy plan for future generations, Richard strives to provide thoughtful guidance that helps simplify financial complexity and support informed decision-making.

Professional designations

• Chartered Financial Consultant® (ChFC®)
• Accredited Investment Fiduciary® (AIF®)
• Chartered Retirement Planning Counselor™ (CRPC®)

Areas of focus

• Comprehensive Financial Planning
• Wealth Management
• High-Net-Worth Planning
• Retirement Income Planning
• Investment Management
• Tax-Aware Wealth Strategies*
• Estate Planning
• Legacy Planning
• Wealth Transfer Strategies
• Business Owner Planning
• Retirement Distribution Planning
• Risk Management

Comprehensive Financial Planning for Bergen County, NJ Families

For more than three decades, Richard has helped individuals, families, retirees, and business owners throughout Bergen County, NJ navigate important financial decisions involving retirement planning, investment management, estate planning, tax-efficient wealth strategies, and wealth preservation. Through Integra Wealth Management, clients receive personalized guidance designed to address both current financial needs and long-term objectives.

Schedule a Conversation

If you are seeking a coordinated approach to retirement planning, investment management, tax-aware wealth strategies, and estate planning, contact Integra Wealth Management to schedule a confidential consultation and discuss your financial goals.

Schedule a Consultation

Integra Wealth Management proudly serves individuals, families, retirees, and business owners throughout Paramus, Westwood, Ramsey, Woodcliff Lake, Hillsdale, Mahwah, Old Tappan, Ridgewood, Oradell, Franklin Lakes, Saddle River, Wyckoff, Upper Saddle River, Alpine, Bergen County, and communities throughout Northern New Jersey.