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. While at Prudential, he was introduced to the investment side of the financial services industry and quickly learned that this is where his passion lies.
After three years with Prudential, he followed his passion and joined the Dean Witter brokerage firm in Cocoa Beach. He spent the next six 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.
Bob had a passion for the financial markets, and enjoyed the relationships he had developed with his clients, but his disdain for the culture of Wall Street led him to join an independent, fee-only financial planning and investment management firm in 2000. He spent the next four years managing client portfolios and helping them to develop long-term comprehensive financial plans.
A desire to be even more independent when helping clients led him to start Rall Capital Management in September of 2004. While most advisory firms are built to cater to the ultra-high-net-worth client, Bob built Rall Capital Management to cater to an underserved segment of the market, known as the “mass-affluent.” Individuals and families of more modest means have less room for error when planning their financial futures and managing their investment portfolios. This is the group that Bob has focused on serving.
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 that publication’s Editorial Advisory Board for several years. He is also 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. Together, they have traveled to many parts of the country to run marathons. Before being slowed by a knee injury he sustained a few years ago, they had each completed more than 20 full marathons, a number of half-marathons, and they still participate in many of the local races of various distances. Bob has served on the Board of Space Coast Runners, a local non-profit group promoting fitness through running and walking, for several years. He served as Editor of the Club’s newsletter when it was awarded “Outstanding E-Newsletter – 2014” by the national running group, Road Runners Club of America. He was awarded the “Silver Shoe” award by Space Coast Runners in 2013 for his service and commitment to the Club.
Bob, Gina, and Bob’s adult children, Adam and Jenna, are deeply involved with Brevard County’s Special Olympics program. They all serve as certified, volunteer coaches for the track and field team. Bob and Adam also play for the Brevard County Special Olympics Unified Softball Team, which integrates special athletes and “partners” competing together. The team won the Gold Medal at the 2014 Special Olympics USA Games, representing Team Florida. The relationships that the family have developed with our special citizens have become a very powerful part of their lives.
Bob graduated cum laude from Ohio University in Athens, Ohio with a Bachelor’s of Science degree in Communications. Having grown up in Columbus, he is an ardent fan of The Ohio State Buckeyes. He also enjoys cycling, tennis and playing the piano.
One of the things he is proudest of is having built a small, independent and successful firm that allows him to work with his family as they help other families achieve their financial goals.
Bob’s son, Adam, is also a member of the Rall Capital Management team. Adam graduated from the University of Central Florida in May of 2013 with his degree in Business. He worked with the firm part-time as a Client Service Specialist and Administrative Assistant while he was in school, and began working full-time as the team’s Communications Specialist after graduation. In school, he was a member of the Burnett Honors College and Delta Sigma Pi, an international and co-ed Professional Business Fraternity. Now, Adam is the firm’s Operations Manager and is responsible for most of the back-office operations of the company. He’s currently attending the College For Financial Planning and, upon completion, will apply for his own Certified Financial Planner™ Certification.
Adam is also involved in Special Olympics, where he was awarded the Inspirational Coach for Brevard County Award in 2008. He is a Tier 1 Certified Coach for Track & Field, and pitches for the Brevard County Unified Softball Team. Like his family, Adam is passionate about his work with Special Olympics, and the relationships he has developed have become a powerful part of his life. In his spare time, Adam likes to remain active and is an avid cyclist and weight-lifter. He also plays in the Cape Canaveral Co-Ed Softball League and is the Captain of his adult kickball team. He is excited about the opportunity to learn the financial planning and investment advisory business in a client-centric environment and looks forward to attaining his own Certified Financial Planner™ certification.
Bob’s daughter, Jenna, is also a member of the Rall Capital Management team. Jenna graduated from the Red Cross in January of 2013 with her Certified Nursing Assistant Certification. Jenna started working part time as an Administrative Assistant in October 2014 and started full time in September of 2015. Jenna is currently attending Eastern Florida State College, working towards her Associates of Science degree in Office Administration.
Jenna is also a volunteer with Special Olympics; she is a Certified Coach for Track & Field and loves the time she gets to spend with our “special” athletes. In her spare time, Jenna likes to rollerblade, fish and work part time as a CNA.
Lucky, our 10 year old Golden Retriever, comes to the office every day and greets our clients when they walk through the door. He loves long walks, all types of food, and people in dark pants!