Retirement Planning/Expert Profile

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Retirement planning, tax qualified retirement plans (401(K), IRAs, etc.), mutual funds, insurance used in retirement planning, estate planning (tax planning, transfer of assets, creditor protection).

Experience in the area

Comprehensive financial planner, 14 years; Executive Director, Association of Christian Financial Advisors, the nation's largest nonprofit financial planning network. Financial writer and frequent contributor to journalists and media sources.


Association of Christian Financial Advisors (Executive Director), National Association of Insurance and Financial Advisors (NAIFA).


BBA, MAS; Securities licenses, FINRA Series 6, 63, 65, 22

Past/Present Clients

Fox Business News, Yahoo Finance, Yahoo Small Business,,,,,,,,,, Can Do Finance Online, Credit Sesame, Money & Finance Online, The Fiscal Times, Business Insider,,

Average Ratings

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
David02/20/17101010Thanks for the prompt response and the .....
Edwina01/28/14This is idiotic. I am paying double .....
Sharon12/15/13101010Thanks for the info and lead to .....

Recent Answers from Rob Drury

2017-02-20 Roth IRA:

You can no longer contribute to a traditional IRA upon the year you turn 70.5. You can contribute to a Roth IRA out of earned income provided you qualify otherwise. Hey, once one turns 70, one's life expectancy

2015-03-30 Ira double taxed?:

The intent of a Traditional IRA is to use pre-tax earned income. Effectively, it doesn't matter from what account the funds are moved into the IRA, the total annual contribution cannot exceed your annual

2013-06-10 401k and spouse:

The rule among most advisors (including myself) in most cases is that one participate in the 401(k) to the point where the employer matches, as you have.  After that, assuming one is eligible, one should

2013-01-26 get more SS at 70 but....:

Social Security payouts are actuarial.  On average, it makes no difference when one begins collecting.  If one starts earlier, the monthly amount is correspondingly smaller.  If one delays receiving benefits

2012-11-12 SEPP 72(t):

I am terribly sorry for the time it's taken to respond to this question.  All of the advisors I spoke with in my network agreed with me that you can make the additional withdrawal immediately after completing


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