With more than 20 years of experience in financial services, Bob Hertz has built his career around a simple but powerful belief: the best financial plans begin with understanding the person behind the numbers. At Hertz Retirement, Bob’s singular focus is on helping clients clarify their goals, values, and long-term vision — and then building strategies that support a life with fewer financial worries and more confidence.
Bob believes that financial planning is not just about calculations, charts, or projections. While technology can easily crunch numbers, it cannot listen, empathize, or understand what truly matters to a family or individual. That human connection is where Bob excels. Before entering financial services, Bob worked as a counselor, a background that shaped his ability to listen deeply, ask the right questions, and guide thoughtful decision-making. This foundation continues to define how he works with clients today.
Rather than leading with products or assumptions, Bob takes the time to learn what his clients value most — their dreams, priorities, and concerns about the future. From there, he works collaboratively to design financial strategies that help money work more efficiently. This includes identifying ways to reduce unnecessary losses to taxes, fees, or inefficiencies that quietly erode wealth over time. Bob often explains that not losing money unnecessarily is one of the most effective ways to save and grow it.
Clients appreciate Bob’s clear, steady approach and his commitment to helping them make financial decisions they feel comfortable with — never rushed or pressured. His planning philosophy emphasizes reliable income, thoughtful asset growth, and strategies that reduce financial stress so clients can focus on living fully in the present while preparing responsibly for the future.
Education and ongoing professional development are central to Bob’s practice. He earned his Bachelor of Arts from Drake University and holds the Chartered Life Underwriter® (CLU®) and Chartered Financial Consultant® (ChFC®) designations from The American College, reflecting his commitment to high standards and comprehensive financial education.
Above all else, Bob’s work is guided by a client-first mindset. As he often says, “My only focus is on YOU — your dreams, your values, your decisions.” That philosophy continues to define the trusted relationships he builds and the long-term plans he helps bring to life.
