Robert G. Gruber CLU ChFC
Retirement Income Planning, Insurance & Investment Planning

Your Life, Your Goals, Your Future.
When it comes to addressing your financial needs, working alongside an experienced professional in the financial services industry is a practical consideration.
Helping to plan for your retirement goals and for the security of those who depend on you is something I take very seriously. Few things are more important than having a sound financial strategy that takes into account, risk management, wealth accumulation and preservation, taxes and distribution planning.
I am well aware that no two clients are exactly alike, however the way they are treated is always the same...with dedication, professionalism and integrity.
I am available to assist you if you are ready to begin the process towards achieving your financial objectives. Your future is up to you.
Check the background of this investment professional on FINRA Broker Check
"If you know, but you fail to take action, then you don't know" Chinese Proverb
Helpful Content
Buying Auto Insurance For Teen Drivers
Tips on insuring your teen driver.
Social Security: Five Facts You Need to Know
Here are five facts about Social Security that are important to keep in mind.
Can I Create a Roth if I’m Over the Income Limit?
Use this article to start conversations about the “backdoor” Roth IRA strategy.
Social Security Benefits: How Much Will I Receive
Calculating your potential Social Security benefit is a three-step process.
Insurance Needs Assessment: Married With Children
When you’re married and have children, insurance needs will be different.
Intellectual Property and Your Estate
Do you have intellectual property? Consider how you might include your IP into your estate strategy in this detailed article.
The Half Million Dollar Baby
The true cost of raising a child may be far more than you expect.
Keep Your Umbrella Handy
Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.
Volunteering in Retirement
For many, retirement includes contributing their time and talents to an organization in need.
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Emergency Fund Calculator
Find out how large your emergency fund should be based on your monthly expenses.
What's Your MPG?
Calculate your vehicle's fuel efficiency and see what you're spending on gas annually.
Student Loan Payoff Calculator: Extra Payments Can Save You
See how extra payments toward your student loans could shorten your payoff timeline.
How Long Will Your Money Last?
See how long a lump sum of savings could last based on your withdrawal rate and return.
Bi-Weekly Mortgage Payments
See how switching to bi-weekly mortgage payments could reduce interest and shorten your loan.
How Compound Interest Works
Explore how compound interest can grow your money over time with this interactive tool.
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The Business Cycle
How will you weather the ups and downs of the business cycle?
Extended Care: A Patchwork of Possibilities
What is your plan for health care during retirement?
When Special Care Is Needed: The Special Needs Trust
A special needs trust helps care for a special needs child when you’re gone.
Surprises
Making the most of surprises is a great reason to work with us.
Tuning Your Social Security Benefit
When should you take your Social Security benefit?
18 Years Worth of Days
The average retirement lasts for 18 years. What will you do with your days?