Bob holds a CERTIFIED FINANCIAL PLANNER™ certification. Please see the Honors and Awards section to see how Bob has been recognized by Wells Fargo Advisors.Bob believes in holistic customized planning. His 44 years’ experience has taught him that successful financial strategy begins by identifying client objectives, time horizons, and risk tolerance. From there the real work begins, creating a plan that integrates objective, risk tolerance and time horizon and is aligned with clients’ vision. Once a plan is in place, Bob helps clients stay on track by reviewing and adjusting strategies as needed. A life-long PA resident & Penn State Alum, Bob is an avid student of Martial Arts. He is president of AJKA-I Karate Association, International and as a Sixth-Degree Black Belt, he also enjoys teaching Karate and learning from his students. This information is intended for use by residents of AZ, CA, DC, DE, FL, GA, HI, IL, IN, KS, MA, MD, ME, MO, NC, NH, NJ, NV, NY, OH, OR, PA, SC, TX, UT, VA, WA, and WV only./*********/Investment and Insurance Products are:* Not Insured by the FDIC or Any Federal Government Agency* Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate* Subject to Investment Risks, Including Possible Loss of the Principal Amount InvestedWells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. Opinions and comments do not necessarily represent the views of our firm. Additional guidelines can be found on wfa.com/social