Richard Demko

President of Centric Risk

Hi, I’m Rick Demko, the Director of Insurance for Centric Risk Strategies, LLC, a rapidly growing financial services organization within Centric Advisors, LLC. Focused predominately on the protection side, my team and I lead the development and implementation of all lines of insurance.

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

Originally from St. Louis, my young family and I moved to Houston in 2015. I am a Past NAIFA Houston President, current State Director, Texas PAC Board Member, Advisor Today 4 Under 40 recipient, IFAPAC Diplomat contributor, six time Quality Award recipient, member of the Society of Financial Service Professionals, Finseca, and a Top of the Table qualifying member of the Million Dollar Roundtable.  I have earned my Chartered Life Underwriter (CLU), Retirement Income Certified Professional (RICP), Life Underwriting Training Council Fellowship (LUTCF), Life and Annuity Certified Professional (LACP),  and am currently finishing the ChFC.

My local involvement includes being a member of The Woodlands Church, Assistant Governor for Rotary District 5890, committee member of the Houston Livestock Show and Rodeo, Wing for the Texas Interstate Touring Side Rugby Club, Competition member of the Rafter 7 Cookers, and a Firefighter/EMT in Spring, TX.  Mentoring, consulting, and volunteering are all part of my core beliefs, civically as well as vocationally.

Getting To Know Richard

What attracted me to Centric

When your only tool is a hammer;
the saying goes, everything starts to look an awful lot like a nail.
Our clients and partners deserve
a complete spectrum of planning and protection.

I'm an active member

Youngest and longest tenured Local NAIFA President until 2021.

Proud Accomplishment

President of two different Rotary Clubs and Assistant District Governor
before the age of 40

My Favorite Food

Beef - We typically have a few hundred pounds on hand since I am part of a competition cook off team.

In My Free Time,

you can find my family and I enjoying a variety of different tastings and traveling, enjoying sports with our son, boating, camping, hunting, or golfing.

My Favorite Quote

I was early taught to work as well as play. My life has been one long, happy holiday; Full of work and full of play - I dropped the worry on the way – And God was good to me every day. ~ John D. Rockefeller

My Dream Vehicle

1986 Mercedes 560sl - Which I finally recently purchased.

I was a five sport athlete

and thought I would play hockey in college until walking on as a starter for the University of Arizona rugby team as a strong side wing.



Life UW Train. Council Fellow
Life & Annuity Cert. Pro.
Retirement Income Cert. Pro.
Chartered Life Underwriter

Years of Experience


Passion for