Richard co-founded Apio Group in 2011, as an Independent Retail Insurance Broker focused on providing risk and insurance solutions to business enterprises. In 2017, the Apio Group increased its capacity by establishing Apio Wealth with a focus on Financial Planning, Employee Benefits and Life Insurance. Prior to that, Richard held executive management positions at Alexander Forbes (now Marsh) and Econorisk. Richard has consulted to a diverse range of businesses in South Africa in mining, energy, information technology, hospitality and manufacturing. In 2021, Apio Group becamepart of the OLEAGroup of companies and as of 31 July 2023, Apio Group rebranded to OLEA South Africa.