To Speak with One of Our Highly Competent
and Friendly, Elder Planning Specialists 
Please call
(925) 256-0434 or (800) 451-1770.
Your Confidentiality is Assured.

Richard E. Mellor - Vice President
richardm@saisllc.com
925.256.0434 x232 or toll free 1.800.451.1770

A majority of the clients that we work with have spent the last 40 years saving for retirement. They have worked hard to achieve their goals. Although each client’s retirement concerns are unique to their personal situation, they generally fall into several broad categories: 1) They are concerned they could outlive their money. 2) They want their investments to be protected from market volatility while earning market-like returns. 3) They don’t want to see their life savings consumed by nursing home expenses. 4) They want to minimize taxation and….5) They want to see their legacy safely passed along to their heirs. At Specialists in Seniors Insurance Services we can help you achieve these goals and avoid many other pitfalls. We specialize in addressing the unique needs of retirees, or those about to retire, and place special emphasis on safety and liquidity, good returns without risk and avoiding the time, exposure and expense of probate.

Over the course of 3 decades Rick has held executive and officer level positions in both overseas and domestic companies. In the early part of his career he gained valuable experience working for General Electric, eventually joining the high tech industry where he was instrumental in helping take two companies public. His executive responsibilities have included sales, marketing, operations and technical support, with extensive experience in building distribution channels, raising capital and financial modeling.

After seeing family and friends experience many of the health and financial issues that seniors face today, he decided to redirect his career to focus exclusively on the senior market. In 2001 he joined Specialists in Senior Insurance Services, applying his expertise in marketing, the Internet and multimedia to help take the company to the next level. His passion for his clients and the challenges they face, and his detailed knowledge of elder planning and senior issues, make him a valued member of the Specialist’s Team.

Rick received his BS from the Worcester Polytechnic Institute in 1974 and is licensed by the State of California in health insurance, life insurance, long term care protection, Medicare and annuities, with specialization in senior products. He has attended IRA and Annuity Universities and has completed studies in financial, Medi-Cal and Elder Planning. He is also a member of the National Ethics Bureau.

Rick, his wife Jeanne and their two boys reside in Castro Valley, CA