Robert Chapman

Retirement, Investing, Lifestage Based Planning
“With over 24 years of experience in the financial services industry, Robert H. Chapman, CPA, PFS, CMA, is committed to helping his clients pursue their financial goals.”

Compass Wealth, LLC

Job Title:

Investment Advisor Representative


Robert H. Chapman, CPA, PFS, CMA is an Investment Advisor Representative at Cetera Investment Advisors, LLC.  He specializes in total wealth strategies for business owners and individuals. Rob’s credentials as a CPA/PFS (Personal Financial Specialist) allow him to offer clients specialized financial planning, tax strategies and planning, estate planning, retirement planning, investment management and risk management.

Robert and his colleagues at Compass Wealth are committed to maintaining the highest standards of integrity and professionalism in their relationship with clients. They strive to know and understand not only their client's financial situation, but who they are as a person as well. Robert and his firm can provide clients with very focused, quality information, as well as appropriate advice to help them reach their goals. Utilizing a team approach, Compass Wealth coordinates the areas of investment management, budgeting and cash flow, risk management, tax planning, retirement planning, estate planning, and college funding. Being an independent financial adviser means the firm places their clients' interests, needs and desires above that of the office.  Independence is vital to servicing their clients.

Robert holds a B.S. in Business Administration from the University of Vermont, specializing in accounting. He earned a CPA certificate in New York and the Personal Financial Specialist (PFS) designation offered by the AICPA. Rob has been a Paladin Honor Roll Advisor with the Paladin Registry for twelve consecutive years, beginning in 2004.

In addition, he has been a Top Representative with Cetera Financial Services for eleven consecutive years, beginning in 2005. In 2011, Rob was named a Money Doctor with the American Institute of Certified Public Accountants (AICPA, where he frequently responds to questions posted online from consumers regarding their financial planning issues).


BS, Business Administration, University of Vermont

CRD Number:



Registered Representative, Securities offered through Cetera Financial Specialists LLC (doing insurance business in CA as CFGFS Insurance Agency), member FINRA/SIPC. Investment Adviser Representative, Advisory services offered through Cetera Investment Advisers LLC. Cetera entities are under separate ownership from any other named entity.

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    College Tuition, Financial Planning, 401(k)
College Payments and Savings Plans: What's the penalty for borrowing from your 401K to pay for college?
100% of people found this answer helpful

There is no penalty for borrowing from your 401(k), but there are other negative consequences, such as the loss of compounded earnings on the funds you removed. You will pay yourself back with after-tax dollars, and you will pay tax again when you withdraw those funds again someday.

You can take an early distribution from your 401(k) and avoid the additional 10% penalty if the funds are used for qualified education expenses (tuition, fees, books, etc.). This will be taxable income to you in the year it is withdrawn.

A cash-out refinance, when mortgage rates are so low, is a good option. The interest may be tax deductible, and you might also actually lower your monthly payment, depending on the terms of the new loan.

Don't rule out student loans which typically have low rates and can be deferred until after graduation.

August 2016
    Personal Finance, Real Estate
Will adding my daughters' names to a vacation home mortgage help or hurt their credit?
100% of people found this answer helpful
September 2016
    IRAs, Taxes
What are the tax implications of a IRA rollover to the same account?
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August 2016
    IRAs, Charity, Tax Deductions / Credits
Are IRA distributions issued directly to a charity considered charitable deductions?
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August 2016
How do I transfer my pension to another bank checking account?
100% of people found this answer helpful
August 2016