Rick Demko, is originally from St. Louis, Missouri and moved to Houston, Texas with his young family in 2015. He is the Founding Principal of the Guardian Group, a boutique life insurance brokerage that serves high-net worth professionals with tax and legacy planning as well as other advisors with advanced planning and tough to place cases.

One prevailing theme that those around him quickly discover is his message that Life Insurance is a tool.  An asset in the right hands, particularly in alignment with a well thought out and executed plan.

Rick was recognized as Texas’ forth national 4 Under 40 by Advisor Today (the first in Houston), inaugural Texas Young Advisor of the Year, 8x NAIFA Quality Award recipient, Past NAIFA Houston President, and current State Director.  He is an active member of the National Association of Insurance and Financial Advisors, the Society of Financial Service Professionals, the Houston Estate and Financial Forum (Chapter of NAEPC), Finseca, Forum 400, and a Top of the Table qualifying member of the Million Dollar Roundtable. 

Rick holds the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Accredited Estate Planner (AEP), Retirement Income Certified Professional (RICP), Life Underwriting Training Council Fellowship (LUTCF), and the Life and Annuity Certified Professional (LACP) designations.

Those that know him best, know his faith and strong conviction. He is tirelessly active in our community as a 17-year Rotarian (Current Assistant District Governor), continual volunteer, retired Firefighter/EMT, and speaks nationally to associations, consumers, and producer groups in regard to proper life insurance planning strategy. 

Mentoring, consulting, and volunteering are all part of Rick’s core beliefs, civically as well as vocationally.