Bob provides comprehensive, multi-generational wealth management solutions to individuals, families, business owners and professional business practices. He also provides fiduciary support for trustees of company 401(k) and cash balance plans.
Bob began his career with the Investment Division of BBVA Compass Bank as a bond specialist. He then worked for UBS Financial Services for 16 years before affiliating with Well Fargo Advisors in 2007 where he remained for 12 years until his recent resignation and affiliation with RFG Advisory.
As a financial advisor at both UBS and Wells Fargo Advisors, Bob was one of a select group of advisors eligible to act as a discretionary portfolio manager. He is experienced assessing clients' needs and building portfolios based on risk profile, short and long-term goals and cash flow requirements.
A native of Alabama, bob is a graduate of Auburn University where he studied Economics. He continued his education after college by earning the Certified Investment Management Analyst (CIMA) designation from The Wharton School at the University of Pennsylvania in conjunction with the Investments & Wealth Institute. He also holds the Chartered Retirement Plan Specialist (CRPS) designation. Bob has attained the following FINRA registrations: Series 7, 63, 66, and 24.
Bob is a member of the Rotary Club of Birmingham which supports numerous charitable and educational programs both locally and internationally. He loves to travel with his wife, Margaret, family members and friends. Some of his favorite places to visit are France, Italy, the Outer Banks of North Carolina, and the Florida Gulf Coast.
A comfortable and secure retirement is the goal of most people in their savings and investment programs. With that in mind, we believe that a successful outcome starts with the foundation of a plan. We can build custom models of your current and future investments so that we can analyze and recommend the path that may likely maximize the likelihood of success. This will create retirement security and peace of mind and allow you to live the best life possible with the money you have. Our process is particularly appealing to individuals and couples age 50+ who seek to reduce pre- and post-retirement risk.
Business owners and small professional practices (dentists, doctors, and lawyers) can create large tax savings while accelerating their personal retirement assets. A 401(k) is the first step in creating a retirement program for you and your employees, but the addition of a cash balance plan can enhance your personal benefits greatly while increasing employees' retirement balances. We can show you the hard-dollar benefits based on your age, income level, number of employees, and total payroll amount.
We use a computer to screen reams of financial data on thousands of companies to select the stocks that go into our portfolios. Why? Because numerous studies as far back at 1954 have shown that simple actuarial models outperform humans in a variety of professions including stock selection, academic success, military training, disease diagnosis, and even drafting successful baseball players. Using computers, rather than an intuitive method, we can test combinations of factors over long periods, thus showing what to expect in the future from any given investment strategy. We also manage asset allocation portfolios using low cost ETFs for individuals preferring that method of investing.
We share your mission to help your retirement plan participants achieve their financial life goals. We can assist 401(k)s, 403(b)s, and non-qualified deferred compensation plans and their participants in making thoughtful decisions about their investment manager selection and plan design.
Knowledge truly is power. I consider the teaching aspect of my job the most important – whether that’s in a private client meeting or a larger educational event. My larger events have included discussions on current market observations, investing in your values, and general wealth concepts. I’m especially passionate about educating women about money – without all the jargon so that they can focus on living Financially Fearless. See the latest initiatives here.
Many people are confused about how their life insurance policy works and are unsure how to find out more, knowing it can be difficult to get objective advice from agents that work on commission. Many policies have not performed as expected leaving the policy owner unsure how to get more information. We bring clients through a process that reveals how their policy works, so that they know how to best manage it going forward.