Bob Barber

CWS®
Personal Finance, Retirement, Investing
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“As the Senior Wealth Advisor and Owner at CIS Wealth Management Group, Bob Barber, CWS® helps individuals, couples, and families with financial advise from a Biblical perspective so they can have confidence in their future.”
Firm:

CIS Wealth Management Group

Job Title:

Owner and Senior Wealth Advisor, CWS®

Biography:

Bob Barber is the owner and Senior Wealth Advisor of CIS Wealth Management. He has 33 years of investing experience, starting with real estate back in May of 1984 and financial planning and advisory experience since 1993. For 24 years, Bob has been helping individuals, couples, and families with financial advise from a Biblical perspective.

If you are looking for sound financial advice without compromising Christian values, then CIS Wealth Management is a great choice. Bob holds the CWS® designation and has many years of experience in teaching and advising others.

Bob was host of Christian Investors Daily for 8 years on radio stations in San Antonio, Austin, Houston, and Corpus Christi that taught Biblical Principles for finance. He has taught many Bible studies on finance and is the author of 7 Pillars of Biblical Stewardship and Biblical Viewpoints of Money. Bob leads a monthly Bible Study group for Kingdom Advisors for Christian financial professionals in Central Texas.

Bob is currently a member of Kingdom Advisors, a nationwide group of Christian financial professionals. He has led many Wednesday night topical Bible studies at Oakwood Baptist Church and is the Past President of the National Association of Christian Financial Consultants. He has been a member of Oakwood Baptist Church for the last 15 years.

Bob has spoken and continues to speak for churches and ministries on Creative Giving Techniques, Planned Giving, and Estate Planning. He has been married to the same wonderful woman for 32 years, and they have three grown children. The two oldest are married, and one currently works in the business with Bob. He has lived in New Braunfels for 31 years and is a 6th Generation Central Texan. He attended Southwest Texas State University (now Texas State University) from 1980-1984.

Education:

Texas State University

Assets Under Management:

$102 million

Fee Structure:

Asset-Based
Fixed
Hourly

CRD Number:

2279678

Disclaimer:

Investment advisory services offered through Christian Investment Advisors​ Inc.​, a registered investment advisor not affiliated with Cetera Advisor Networks LLC. Bob Barber is a Registered Representative of and offers securities offered through Cetera Advisor Networks LLC, member FINRA / SIPC. ​Cetera is under separate ownership from any other named entity. Branch:  672 Ridge Hill Drive, Ste. A1, New Braunfels, TX 78130. 1-830-609-6986.

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    Retirement, Investing, Annuities, Real Estate
Are annuities a good retirement investment?
100% of people found this answer helpful

With your limited information this is a difficult question to answer.  After being in the financial services business for over 25 years and knowing what I know now, I personally am no longer a fan of annuities because of all the stipulations they have and high expenses.   Most annuities seem to benefit the insurance company and sales representative more than they do the person buying them creating a conflict of interest. But, since you are already in annuities and could have a large surrender penalty if you wanted to get out of them, without knowing if they have a guaranteed income benefit,  they may or may not be a good investment option for monthly income. Bottom line is: your question is one that can only be answered correctly by a financial advisor that better understands your entire financial picture. My suggestion is you find a fee only based advisor that does not sell annuities as one of their only options for retirement income. They are out there but the temptation is so great for the high commissions annuities offer, you have to seek out a fee based advisor and then ask them how they feel about annuities.    
 

This answer is intended for informational purposes only and is not intended to provide specific tax, legal, or investment advice. I invite you to schedule a meeting with a me for more information regarding your specific situation.

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