Robert Neace, CF2

About Robert Neace

For over two decades, I've walked alongside retirees through the most important financial decision of their lives — how to transition into retirement and start taking distributions without naked risk and ensure they don't outlive their money.

Retirement isn't a math problem. It's a life problem with math in it. Behind every portfolio there's a person asking real questions: Will I have enough? What if the market crashes? What happens to my spouse when I'm gone? Can I actually enjoy this — or am I supposed to be scared forever?

My commitment is simple: I'm there in the good times, and the bad ones. Anyone can look like an advisor when markets are climbing. What matters is who's on the phone with you when the market falls 30%, when a spouse gets sick, or when the plan needs to change fast. That's when advice earns its keep. That's when I do my most important work.

On January 9, 2020, I became one of the first advisors in the nation to earn the Certified Financial Fiduciary® (CF2) designation — not because the law required it, but because retirees deserve advisors who are legally and ethically bound to put their interests first. The CF2 is more than a credential. It's a clear and written commitment to transparency, putting your goals ahead of any product, and to being accountable to a code of conduct central to your best interests.

My mantra for the retirees I serve is straightforward: Spend More. Risk Less. Avoid Running Out of Money. That's the outcome I fight for on every case.

The Hidden Math That Destroys Retirement Portfolios:
Most advisors don't address the biggest math problem retirees face. Stanford PhD and Nobel Prize-winning economist William Sharpe called the transition from accumulation to distribution "the nastiest, hardest problem in finance." The math you used to build wealth gets flipped upside down the day you retire. In accumulation, market drops were opportunities — you bought more shares cheap. In distribution, market drops become catastrophic — you're forced to sell more shares to fund the same income, permanently depleting your portfolio. Without a plan built specifically around this math, your retirement can unravel through no fault of your own. By the time you see it happening, it's often too late to fix. We call this reverse dollar cost averaging, and it's the reason so many retirees run out of money even when they thought they had enough. Recognizing this hidden risk that most retirees never see coming — and most advisors never address — I spent years building tools that expose the real math. My clients get access to the Withdrawal Wizard, a proprietary planning tool built on the same rigorous mathematical framework that earned Sharpe the Nobel Prize. It shows real-time projections of how their income plan holds up under different market conditions — including the down markets that break most retirement plans. Alongside the Withdrawal Wizard is my Forensic White Paper that breaks down exactly why reverse dollar cost averaging is so dangerous — and more importantly, what retirees can actually do to plan around it.

If you're going to spend 20-30 years drawing income from a portfolio, you deserve to see the math the way it really works. Not the sales pitch. The real math.

What You Can Expect From Working With Me

A Partner Through Every Market
When markets rise, I help you protect gains and stay disciplined. When markets fall, I'm the first call you make — because that's when clarity matters most.

Education Before Recommendation
You'll never be asked to sign something you don't fully understand. I explain the trade-offs, the alternatives, and the risks — in plain English — before you make any decision.

Radical Transparency
Every conflict of interest, every fee, every commission — on the table before we start. You'll always know exactly how I'm paid and why I'm recommending it.

Recommendations Built Around You
Not around what a fund is pushing this quarter. Not around a proprietary product I have to sell. Around your goals, your income needs, your legacy, and your peace of mind.

Long-Term Accountability
Retirement lasts 20-30 years. My relationships last just as long. I'm not building a book of accounts. I'm building a book of relationships. If you're near retirement or already there, and you want an advisor who'll be there for both the good decisions and the hard ones — let's talk.