Richard Demko

President of Centric Risk

Howdy, I am Rick Demko, originally from St. Louis, Missouri and moved to Houston, Texas with my young family in 2015. I am a Partner and President of Centric Risk Strategies, LLC, a rapidly growing financial services organization within Centric Advisors, LLC. (The first 100% NAIFA Member Firm in Texas and first 100% Advocacy Agency in the national federation).

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.

I have great pride in my dedication and passion for this career and service to our community.  I was Texas’ forth Advisor Today national 4 Under 40 recipient, inaugural Texas Young Advisor of the Year, Past NAIFA Houston President, and current State Director.  I am still a member of NAIFA, the Society of Financial Service Professionals, Forum 400, and a Top of the Table qualifying member of the Million Dollar Roundtable. I also hold the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Retirement Income Certified Professional (RICP), Life Underwriting Training Council Fellowship (LUTCF), Life and Annuity Certified Professional (LACP), and am currently challenging the CFP.

Those that know me, know my faith and strong conviction. I am tirelessly active in our community as a 16-year Rotarian, continual volunteer, retired Firefighter/EMT, and speak nationally to associations, consumers, and producer groups in regard to proper life insurance planning strategy. 

Mentoring, consulting, and volunteering are all 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.



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

Years of Experience


Passion for