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Meet Our Team

At LFA, our management team is dedicated to providing outstanding service throughout our client and advisor base. At the core of our solid foundation are individuals with a strong background in delivering real-world solutions and proven success.

The team’s commitment to excellence is infused in LFA’s daily operations — creating  an environment dedicated to forming lasting relationships, supporting uncompromised customer service, and maintaining a sense of trust and long-term strength in our investment approach.

Ronald W. Murphy, CLU®, ChFC®| CEO

As President & CEO of Larkspur Financial Advisors, Ron is responsible for the development and implementation of investment policies and strategy for client portfolios, as well as the strategic direction of the investment advisory and planning practices of the firm.

Bringing a wealth of knowledge and experience to the forefront, Ron combines personal attention with professional know-how to help clients achieve financial strength and prosperity, ensuring that LFA meets its commitment of integrity and transparency at every level.

With each relationship, fresh thinking, bold ideas and passionate dedication are what Ron brings to the table – providing clients with holistic wealth management advice, which includes economic analysis, financial and estate planning recommendations, risk management strategies, retirement planning, and consulting to family and non-family businesses.

Ron is a graduate of the American College in Byrn Mawr, PA, where he received his CLU and ChFC designations. Ron also holds
Series 7, Series 65, Series 63, and Series 24 registrations from the Financial Industry Regulatory Authority, Inc. (FINRA), and is licensed to offer insurance. Ron has been a financial services professional in Marin County, California for over 40 years.

Professional Affiliations

  • Financial Planning Association
  • Society of Financial Service Professionals
  • National Association of Insurance and Investment Advisors
  • Financial Services Institute

You can contact Ron at RMurphy@LarkspurFA.com

J. Richard Arellano, CLU®, ChFC®| Financial Advisor

For more than 40 years, Rick has been helping individuals and families with a broad spectrum of wealth management needs. With an extensive background in comprehensive and effective financial planning, Rick's focus includes establishing investment allocation and management strategies that assist clients in reaching their long-term financial goals.

As a financial advisor with Larkspur Financial Advisors, Rick works with a network of highly skilled professionals and is dedicated to providing high-quality advice and integrated wealth management solutions – including Investment Planning, Insurance Planning, Estate Planning and Retirement Planning.

His unique approach is driven by a high-touch philosophy and the belief that his clients are as dynamic as the markets. With this, Rick focuses on constructing innovative, flexible financial solutions – backed by a disciplined and objective process delivered with transparency and integrity.

Committed to simplifying and enhancing the quality of his clients' lives, Rick is a graduate of the University of San Francisco, Hastings College of Law and American College, Bryn Mawr, PA. He holds FINRA Series 7, 63 and 65 registrations.

A native San Franciscan, Rick and his wife Linda have eight children and twelve grand children.

Professional Affiliations

  • San Francisco Estate Planning Council
  • Phoenix Life Insurance Company Member Hall of Fame and President’s Council
  • Investor’s Financial Group, President’s Council
  • Million Dollar Table, Life Member

Kevin Bartel, MBA| Financial Advisor

Kevin Bartel works closely with Ron Murphy, CLU, ChFC and Rick Arellano, CLU, ChFC to build and foster client relationships through a holistic wealth management approach. Kevin works with clients as a strategic wealth advisor creating and executing solutions, which address the clients’ most pressing strategic, financial and investment needs. Kevin continues to build and maintain solid partnerships with new and existing clients. He places his clients’ relationships first and is proud to conduct business based on five unwavering principles: Client Focus, Respect for the Individual, Teamwork, Responsible Citizenship, and Integrity.

Kevin holds Series 7, Series 66, and Series 56 registrations from the Financial Industry Regulatory Authority, Inc. (FINRA). He also holds his California state Insurance License. Kevin received his Bachelors of Administration (BA) and Master of Business Administration (MBA) degrees from Dominican University of California in Global Strategic Management. Kevin joined Larkspur Financial Advisors after experience with a major securities/bank firm and as a securities trader with a New York based broker dealer. He is currently enrolled and studying to become a Certified Financial Planner.

Kevin is a native of the Bay Area and grew up in Sonoma County, California. Kevin was recruited to play soccer at Dominican University and earned a number of honors including 1st team All Region. Kevin is married to his beautiful wife Sue and they have a three year old son, Keith and a newborn baby girl, Julia. When Kevin is not spending time with his family, he enjoys watching bay area sports as well as playing soccer, golf, and tennis.

You can contact Kevin at KBartel@LarkspurFA.com

Chris Murphy | Business Manager

Ensuring that LFA’s day-to-day business operations run smoothly and efficiently, Chris is married to and has been working by Ron Murphy’s side in the financial services industry since 1980. Her role has been one of administrative support in virtually every aspect of LFA’s operations, as well as being Secretary and Treasurer for LFA Holdings.

Working with a unique blend of experience, passion and practicality, Chris’ strong work ethic continues to help LFA grow in the most positive ways possible. Having attained her Series 6 and 63 securities registrations from the Financial Industry Regulatory Authority (FINRA), she also assists in the supervision of other registered representatives and helps manage a variety of advisor-based initiatives.

Chris was born in San Francisco and has lived most of her life in Marin County.  She and Ron have two sons who were born, raised and live in Marin County.  In her leisure time, Chris enjoys cooking, entertaining, traveling and reading.

You can contact Chris at CMurphy@LarkspurFA.com


Rania Ghawi, RP®| Client Services Manager

As a Client Services Manager and Registered Paraplanner, Rania uses her positive follow-through attitude to get tasks accomplished while remaining focused on the larger picture at hand. She has a Bachelors of Science degree in Business Administration with a concentration in Finance and Marketing from California State University, Sacramento.

Prior to working at LFA, Rania worked for the U.S. Attorney's Office for over six years where she assisted attorney's in prosecuting Federal criminal cases. In her spare time she enjoys yoga, running, and wine tasting. Rania is also an active member of the Junior League of San Francisco.

You can contact Rania Ghawi at RGhawi@LarkspurFA.com


Chad Clarke | Client Services Specialist

Working in conjunction with Annie and Rania, Chad brings another level of detail to ensure all client needs and requests are completed with the upmost level of customer satisfaction. Earning a Bachelor’s of Science degree from Sonoma State University in Business Administration, with a concentrated focus in Financial Management. Chad is currently studying for the Registered Paraplanner certification at the College For Financial Planning (CFFP).

Past employment experience includes stints in the wine industry, tire business and publishing media. He also serves as the Treasurer for the Bermuda Harbor HOA Board of Directors. Chad is a native of Marin County, California living on the waters of Bel Marin Keys. Outside of work, Chad spends his time either on the Bay or Lake Tahoe, biking, camping, snowboarding or just enjoying the beautiful California sunshine.

You can contact Chad Clarke at CClarke@LarkspurFA.com

Annie Carroll | Client Services Specialist

As a Client Services Specialist, Annie has a FINRA Series 7 registration. She is currently seeking additional registrations as she works part time for Larkspur Financial Advisors. Annie uses her positive attitude and breathe of experience to complete various client centered tasks for the LFA team. She graduated with a Bachelor of Art from University of Colorado at Boulder with a degree in Political Science/ Pre Law.

Before LFA, in the last several years Annie worked as an outside business development officer for an alternative asset custodian, a sales associate for mutual fund company focused on alternatives, and as a Financial Advisor at Wells Fargo Advisors for 5 years. When she is not in the office, you can find her playing with her one-year-old daughter, her yellow lab, and her husband at Stinson Beach or sailing in the San Francisco Bay.

You can contact Annie Carroll at ACarroll@LarkspurFA.com

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© 2018 Larkspur Financial Advisors | 100 Tamal Plaza, Suite 110, Corte Madera, CA 94925 | All rights reserved
P: 415.924.6703 | F: 415.924.6723 Advisors@LarkspurFA.com |
Disclosure | Contact Us

Securities and advisory services offered through The Strategic Financial Alliance, Inc., (SFA), member FINRA/SIPC, which is otherwise unaffiliated with Larkspur Financial Advisors or LFA Holdings, Inc. Ronald Murphy, CLU, ChFC (CA Insurance License #0290052) is a Registered Principal and Investment Advisor Representative of SFA. J. Richard Arellano, CLU, ChFC (CA Insurance License #0186691), and Kevin Bartel (CA Insurance License #0J04584) are Registered Representatives and Investment Advisor Representatives of SFA.

We are licensed to sell Insurance Products in the following states: California, Florida, Georgia, Nevada, Oregon, Texas, Utah, and Washington.
We are licensed to sell Securities in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, and Washington.