Bob’s experience can help meet the full planning needs of clients. Though his primary focus is on asset protection and wealth accumulation strategies, some of the benefits of a client relationship may include: wealth maximization, education funding, risk management and maximizing retirement income.Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. The Bulfinch Group is not an affiliate or subsidiary of PAS or Guardian. Life insurance offered through The Bulfinch Group Insurance Agency, LLC, an affiliate of The Bulfinch Group, LLC. The Bulfinch Group, LLC is not licensed to sell insurance. CA Insurance License Number - 0I16869, AR Insurance License Number - 16461920. This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof. DG 9/9/24

For those who want a part-time COO with a full-time interest in the growth of their business. I work on retainer or on project-based assignments Product Procurement, Human Resource Management, Real Estate Issue/Lease Negotiation, Family Business Consulting/Exit StrategiesNeither Park Avenue Securities, The Guardian Life InsuranceCompany of America, nor any of their affiliates or subsidiariesendorses or has any direct or indirect responsibility with respect to this activity

Developed a family-owned independent retailer into a world-class, high-end fixture in the Boston Community, Researched, tested assembled and marketed an exceptional array of unique merchandise not often found in one setting. Successfully navigated challenges and pitfalls of independent retail. Negotiated and renegotiated commercial leases when impacted by global financial crisis. Professionally exited business.

Responsible for the operation of a mult-unit high-end reatil gift store chain.Human Resource Management, Operations Management, Purchasing, Lease Negotiation.

Day-to-day operation of a high-end retail store.