Bob has more than 30 years of experience in the financial services industry. He began his financial career with Prudential Insurance, where he gained valuable knowledge and experience that allows him to help clients make sure that their various insurance policies are structured properly to protect their assets. While in that role, he was introduced to the investment side of the financial services industry and quickly learned that this is where his passion lies. After a few years helping clients manage their investment portfolio, the desire to help clients beyond their investments led him to complete the educational and experience requirements to earn the CERTIFIED FINANCIAL PLANNER™ designation in 1998. Bob had a passion for the financial markets, and enjoyed the relationships he had developed with his clients, but his disdain for the culture of Wall Street led him to join an independent, fee-only financial planning and investment management firm in 2000. He spent the next four years managing client portfolios and helping them to develop long-term comprehensive financial plans. A desire to be even more independent when helping clients led him to start Rall Capital Management in September of 2004. While most advisory firms are built to cater to the ultra-high-net-worth client, Bob built Rall Capital Management to cater to an underserved segment of the market, known as the “mass-affluent.” Individuals and families of more modest means have less room for error when planning their financial futures and managing their investment portfolios. This is the group that Bob has focused on serving. Bob is a member of the Financial Planning Association (FPA®) and the National Association of Personal Financial Advisors (NAPFA®). He was a contributing writer for the Journal of Financial Planning and served on the Editorial Advisory Board for several years. He is also a recognized leader in the retirement planning field. He helped launch the FPA’s Retirement Planning Knowledge Circle and served as its host for several years. Bob graduated cum laude from Ohio University in Athens, Ohio. But having grown up in Columbus, he is an ardent fan of The Ohio State Buckeyes. He also enjoys working out with his wife at their CrossFit gym, history, and working on his golf game. One of the things he is proudest of is having built a small, independent and successful firm that allows him to work with his family as they help other families achieve their financial goals.

Your finances are a highly personal puzzle that can be sorted out, solved and optimized for your life. My goal is to help you get comfortable with your financial decisions by giving you smart, honest advice that aligns with your goals and values. After getting my engineering degree from CalTech and a Masters in Management from M.I.T., I was a financial do-it-yourselfer for over 25 years. One day on the radio, I heard Dave Ramsey say, “You want a financial advisor who has the heart of a teacher”, and I thought, “That’s me! I have a passion for understanding and explaining finances to people.” I founded Krehbiel Financial after 15 years in marketing, engineering and executive management at Harris and Intersil, and 11 years teaching physics at West Shore Jr./Sr. High School in Melbourne, FL. Throughout my careers, problem-solving, interpersonal skills, and teaching have been keys to my success in working with people. I specialize in working with tech professionals and busy couples who realize that their time is better spent focusing on their careers and their families, not the intricacies of financial planning. When I am not helping people accomplish their goals with their money, I enjoy road biking, bike tourism, traveling, meals with friends, and being a member of Church in the Wild, in Melbourne, FL.

Michele Rizzuto is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. She partners with individuals and families seeking intentional wealth management through disciplined portfolio strategy and thoughtful planning. Michele focuses on delivering personalized financial strategies tailored to clients' goals, values, and lifestyles. Her expertise includes college education planning, family wealth management strategies, LGBT wealth planning, personal retirement planning, small business strategies, women and wealth, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. Michele holds the Personal Investment Advisor (PIA) designation and earned her high school diploma from Melbourne High School. In addition to her professional work, Michele is involved with several organizations including the International Woman's Flag Football Association, the American Cancer Society, Build Bright Foundation INC, and St Jude Children's Research Hospital. She enjoys basketball, biking, boating, football, hiking, pickleball, spending time with her family, tennis, traveling, and yoga.

Robert Dow is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been providing financial and wealth management advice since 1996. Robert leads The Dow Wealth Management Group, which focuses on assisting successful business owners of closely-held companies with wealth management related to exit planning, legacy preservation, and family wealth maximization. Robert’s areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He holds multiple professional designations including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He earned his Bachelor of Science degree in Marine Engineering Technology from Maine Maritime Academy. Outside of his professional responsibilities, Robert volunteers as a cabin leader at Camp Agawam, supporting underprivileged boys in Maine during the summer. He is also involved with Chaine des Rotisseurs and Team Rubicon. His personal interests include adventure sports, billiards, chess, golf, reading, scuba diving, spending time with his family, and traveling.

Mitch Herold is a Senior Financial Advisor with Merrill Lynch Wealth Management in Rockledge, Florida. He began his career in financial services in 2012 and joined Merrill Lynch in 2019. Mitch focuses on developing financial strategies and advice for families, business owners, and athletes to help meet their short- and long-term financial goals. His expertise includes areas such as college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, small business strategies, and retirement income. Mitch holds a Bachelor's degree in Business Management from the University of Central Florida. He has earned the Chartered Financial Consultant (ChFC) designation and is a CERTIFIED FINANCIAL PLANNER (CFP) certificant. Additionally, he holds FINRA registrations Series 7, 66, and 65. Mitch also has extensive personal lines insurance experience, which enhances his ability to provide a wide range of financial recommendations to clients. Residing in Oviedo, Florida with his wife Lindsey and their two children, Mitch is active in his community through his church and youth baseball. He is a member of the Rotary Club of Oviedo, has served as head coach for Oviedo Stix Baseball, Inc., currently serves on the board for Heart Full of Heaven, and previously served on the board of Walk with Men. In his free time, Mitch enjoys golfing and attending various sporting events.

Joseph Pickrell is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 20 years of experience in the financial services industry, focusing on areas such as college education planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Joseph holds a Bachelor of Science degree from Daniel Webster College in Aviation. He served in the New Hampshire Air National Guard for 12 years as an aircraft mechanic. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Born and raised in Portland, Maine, Joseph has lived in Florida for 26 years. He has two children, twins named Kristen and Joseph. His personal interests include billiards, dancing, drawing/sketching, fishing, football, music, spending time with his family, swimming, volleyball, and watching movies. He also plays the drums and enjoys traveling, especially cruising.