Bob Rall

CFP®
Personal Finance, Retirement, Investing
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  • Cocoa, FL
  • 321-452-1251
  • www.investingforthelongrun.com
“While your return on investment is important, we believe it's more important to get a better "Return on Life."”
Firm:

Rall Capital Management

Job Title:

Principal

Biography:

Bob has more than 25 years of experience in the financial services industry. He began his financial career with Prudential Insurance, where he gained valuable knowledge and experience that allows him to help clients make sure that their various insurance policies are structured properly to protect their assets. After three years with Prudential, he joined the Dean Witter brokerage firm in Cocoa Beach. He spent the next 6 years in the brokerage world, helping clients develop and manage their investment portfolios. His desire to help clients beyond their investments led him to complete the educational and experience requirements to earn the Certified Financial Planner® designation in 1998. A desire to be even more independent when helping clients led him to start Rall Capital Management in September of 2004.

Bob is a member of the Financial Planning Association (FPA®) and the National Association of Personal Financial Advisors (NAPFA®). He is a contributing writer for the Journal of Financial Planning and has served on the publication’s Editorial Advisory Board for several years. He is a recognized leader in the retirement planning field, serving as host of the FPA’s Retirement Planning Knowledge Circle since its inception.

Bob and his wife, Gina, are both active members of the local running community. Bob, Gina, and Bob's adult children, Adam and Jenna, are deeply involved with Brevard County’s Special Olympics program. He graduated cum laude from Ohio University in Athens, Ohio with a Bachelor’s of Science degree in Communications. He also enjoys running, cycling, tennis and playing the piano.

Education:

BS, Communications, Ohio University
Certified Financial Planner(R) designation, College for Financial Planning

Assets Under Management:

$46 million

Fee Structure:

Fee-Only

CRD Number:

2142491

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    Debt, 401(k), Real Estate
Should we rollover our 401(k) or pay off our mortgage with the funds?
100% of people found this answer helpful

I would not recommend withdrawing from your 401(k), even if you were not subject to the 10% penalty. Don't forget, that in addition to the 10% penalty that is incurred if you are under the age of 59-1/2, you will also pay tax on the amount withdrawn. $150,000 in additional income will most likely throw you into one of the highest tax brackets, so you would pay 28-33%, and possibly more, tax on your distribution. When you add the 10% penalty, you would be paying close to 40% in taxes. Another thing I would mention is that you have a 3.65% mortgage rate, which is extremely low historically. If your investments in your 401(k) can average more than 4% over the years, you are way ahead by staying invested.

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