Bob Rall

CFP®
Personal Finance, Retirement, Investing
97%
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19
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27
Articles
137
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“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:

With a career that spans more than 25 years in the financial services industry, Bob Rall, CFP®, has a passion for helping families achieve a better return on life through comprehensive financial planning and investment management. 

Bob began his career with Prudential Insurance and later joined the Dean Witter brokerage firm in Cocoa Beach, Florida. He soon realized that though he enjoyed the relationships he had developed with clients, he felt disdain for Wall Street’s culture. In 2000, he joined an independent, fee-only financial planning and investment management firm, and in 2004, he launched his own independent, fee-only firm, Rall Capital Management.

While most advisory firms focus on ultra-high-net-worth clients, Rall Capital Management caters to an underserved group, the so-called “mass affluent.” These are the families of more modest means with less room for error when planning their financial futures and managing their investment portfolios. Bob finds gratification in providing the quality financial planning and investment management services they need to achieve all that they want in life.

Bob is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association (FPA) and National Association of Personal Financial Advisors (NAPFA). He is a contributing writer for the Journal of Financial Planning and has served in a variety of volunteer positions with the FPA.

Away from the office, Bob and wife Gina are active members of the local running community. His passion for running has led him to serve on the board of Space Coast Runners, a nonprofit group promoting fitness through running and walking. In addition, Bob, Gina, and their adult children, Adam and Jenna, are deeply involved with Brevard County’s Special Olympics program. The relationships the family has developed through the program have become a powerful part of their lives.

Areas of Expertise

·         Budgeting and debt management

·         Investment management

·         Retirement planning

·         Social Security and Medicare planning

·         Tax minimization strategies

·         Education planning

·         Insurance analysis and guidance

·         Estate planning

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

Videos
  • The Trump Bump
  • Rall Capital Management Introduction
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May 2017
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    Investing, IRAs
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All Answers
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    Debt, 401(k), Real Estate
Should we rollover our 401(k) or pay off our mortgage with the funds?
88% 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.

March 2017
    Investing
How should I invest my emergency fund so that I keep earning interest on it?
67% of people found this answer helpful
17 hours ago
    Retirement, Life Insurance
Is it ever a good idea to cancel or terminate a life insurance policy?
63% of people found this answer helpful
March 2017
    Investing, Real Estate
I've come into a large amount of money. Should I invest it or pay off my mortgage?
60% of people found this answer helpful
March 2017
    IRAs
What are the differences between a Simple IRA and a Traditional IRA?
57% of people found this answer helpful
May 2017