Larry is the founder of Richmond Financial Services and is the nationally recognized authority and visionary behind utility rate processing for the heating fuels industry with multiple landmark accomplishments to his credit over the last two decades. As the founder of AVATAS, Larry personally worked directly with and was accountable to more than 1000 energy companies located across the country. Larry successfully lobbied MasterCard to reclassify home heating retailers into a lower risk utility processing category, resulting in billions of dollars of savings to the heating oil and propane industry. To this date, this important watershed accomplishment stands as the single most significant advancement in fee reductions associated with electronic payments for the heating fuels industry. Larry continues to spearhead many innovative solutions in the race to control cash flow and lower expenses while sprinting to stay ahead of the digital economy.