Richard Dwayne Blair’s Three Pillars the Best Tool in Retirement Planning.

Austin, Texas investment adviser and founder of Wealth Solutions, Richard Dwayne Blair, has developed an investment system to successfully plan your retirement and gain the most return out of your capital. Called the “Three Pillar Approach”, Richard Dwayne Blair’s plan eliminates the common retirement investment hazards that many retirement plans succumb to. The system is also tailored specifically to your goals and retirement dreams, so you will feel secure that your future income will be in line with these dreams. The “Three Pillar Approach” is a hands-on methodology puts him in a position of investment mentor to his clients, allowing their interests to guide the investment directions and risk.


Developed with the founding of Wealth Solutions in 1994, Richard Dwayne Blair’s method involves a deep look into goals and retirement dreams. With the evaluation of a client’s capital availability, risk toleration, and future plans, a succinct blueprint of an investment system can be established that directly reflects the personality, goals, and budget of the individual investor. Richard Dwayne Blair also believes in developing a long-term relationship with his clients, so the third of his “Three Pillars” is an effective procedure of continued implementation and monitoring of the investments, guaranteeing there will be no future surprises to your retirement funds.


In addition to being a highly experienced investment adviser, Richard Dwayne Blair is also a highly certified one. He currently holds investment specialist certificates in annuities, estate and trust investments, income investing, tax regulations and retirement income. Maintaining these certifications requires him to keep a rigorous continuing education schedule which also allows him to stay abreast of the latest investment products and regulations. As long-term investment adviser with long-term goals, Richard Dwayne Blair and his firm Wealth Solutions are using the “Three Pillar Approach” to increase the ease of secure retirement planning and develop a long-term relationship with his clients.


Latin Lawyer, Ricardo Tosto de Oliveira Carvalho Providing Competent Legal Representation to His Clients

Brazil’s legal profession is regulated by the Order of Attorneys of Brazil (OAB). Founded in 1930, the OAB has its headquarters in Brasília, Federal District. As of 2013, the organization had 847,921 lawyers. Every graduate from a school of law must first register with the Order of Attorneys of Brazil in order to practice law in the country. Only graduates that are duly registered with OAB can appear before a Court of Law.
The Bar examination

The bar examination is a test that determines the eligibility of a candidate to act on behalf of clients in a Court of Law. In Brazil, the Ordem dos Advogados do Brasil (English- Order of Attorneys of Brazil), the Brazilian Bar Association, unifies and organizes bar examination two to three times a year (normally in March, August, and December).

The Bar examination is organized in two phases – the written test that consists of 80 multiple choice questions that cover Ethics, Philosophy of Law, Civil Law, Civil Procedure Law, Human Rights, Constitutional Law, Criminal Law, Labor Law, and Administrative Law. Students are required to score not less than 40 questions correctly for them to proceed to the second phase of the exam which consists of four essay questions as well as a drafting project in the following disciplines Civil Law, Criminal Law, Constitutional Law, Administrative Law, and Labor Law.

Ricardo Tosto de Oliveira Carvalho

Mr. Ricardo is a respected lawyer in Brazil. He studied at the Mackenzie University where he got a degree in law. Ricardo also has an extension course in Business Administration (BA) from Fundação Armando Alvares Penteado (FAAP).

Mr. Ricardo has represented many key personalities and organizations in complex cases that have gained the country’s media attention. Ricardo has also provided legal assistance to local and international corporations, politicians and the government.

Ricardo Tosto is well known for the role he played in championing for different legal mechanisms that are today being used in Brazil’s legal community. He is a mentor to many upcoming lawyers; he mentored most of his current partners who were once interns in his firm. Go here to learn more about this famous Latin Lawyer.