Financial Planning can sound intimidating. For a huge portion of our lives, we pour our time and energy into our careers and businesses, laboring through holidays, working tirelessly to uphold our lifestyles. The thought of breaking down the numbers and creating a visual aid for our futures may seem daunting, too big of a task, especially if you don’t know where to begin. With the help of Wolf Financial Advisory, you can understand your finances, and you don’t have to do it alone.
“People love what they do,” Rob says. “They like having the option of employment. But money is just paper– it’s the tool we utilize to make things happen. At Wolf Financial, we help you make decisions that drive you towards your own personal goals.”
Rob Wolf, Southwest Michigan native, opened Wolf Financial Advisory in 2018, with twenty-nine years of experience in the financial services industry. He is friendly, approachable, animated, and committed to putting money in terms that anyone can understand. Helping guide you through the process of being in control of your finances, Rob and his team at Wolf Financial are here to help you live your best life.
There are many financial advisors in the area, so how do you know which one to choose? Your first meeting with Wolf Financial helps your advisor understand why you are taking this step to plan your finances, to figure out what is important to you, and what goals you have for your future.
“I don’t want to just manage your accounts and not make a difference in your life,” Rob says. “I want to get to know you as a person. We’ll share our process and how our firm works, but we don’t make any decisions initially. We have to learn about each other first, and build a relationship.”
Rob is passionate about what Wolf Financial can do for you. “I feel I have a moral obligation to explain how finances actually work,” he says. “My current and future clients deserve to understand how their money works. It’s all facts and figures; you can’t argue with math!” He is known for his many analogies– he can put finances into terms that are relatable and accessible, helping people identify with what may be uncharted territory for them.
Rob actually jumps out of his seat to paint the picture for us: “I’m standing on a railroad bridge over a river. I’m in the middle of the tracks, wandering aimlessly. I can hear a train in the distance but it doesn’t really bother me. Suddenly, I can see the train, and I realize I have two options: I can close my eyes and hope it goes away, or I can choose to jump while I’m in control. I know it’s coming, and I can’t stop it, but I can choose to be proactive now.” The 2017 Tax Cuts and Jobs Act lowered our tax rates significantly, for all tax brackets. In 2026, they will go up again. Wouldn’t you want to be prepared? If you can do something about it now, shouldn’t you jump?
Fifty percent of Americans rely on the government for their retirement funds. “They rely on social security for their financial future. We don’t want that,” Rob says. “You should be in control of your own finances, your own hard-earned money. Some people sacrifice for years and don’t get to see the happy ending that they want.” The advisors at Wolf Financial can explain how you can work towards building the financial goals that you have set for yourself.
Your financial plan includes more than just guidance for retirement, but also how you can give back while taking control of your money. Learn how charitable organization contributions can be organized and scheduled, lending support to the community you care about while simultaneously building your own wealth. Discover all aspects of your finances– from saving, spending, understanding your taxes, to estate and foundational planning. Rob adds, “The act of saving will propel you forward. And understanding the concept of managing your finances is the most important aspect of financial planning.”
Your financial health directly correlates to your mental health. Not everyone likes, or even wants, to understand their finances, and that’s where Wolf Financial comes in. They listen to each client’s goals and financial status, and they work with you, to understand the plan that best fits you. This independent company and full-service firm offers guidance in assessing the risks of your finances, introduces investment strategies, and insurance for those investments. Any client of any size is welcome at Wolf Financial. With six licensed advisors and a wide array of abilities, they are ready to help you understand and reach your fiscal goals.
“Life can throw you curveballs,” says Rob. “It is fluid and always moving, but your goals, your destination, stays the same. How quickly you get there is up to you. We are here to join you on this journey– to guide you through large or small course corrections to keep you on track.”
Financial literacy is important for everyone, no matter their income or financial status. With an invested and determined leader like Rob, Wolf Financial can help you work through the ugly stuff. “We will figure out how you can pursue your goals without accruing debt,” Rob says. “This is a people business. It is as much about our clients and their happiness as it is about their finances.”
Wolf Financial Advisory is located in the heart of St. Joseph, on the second floor of 728 Pleasant Street. Give them a call for a free consultation, and start the process of understanding where you are on your financial journey. Build a relationship with the advisors who can help strengthen your connection to your finances. Learn more at wolfadvisoryservices.com, and call 269-982-1988 to begin pursuing your retirement goals.
Robert Wolf, James Koenig, Joe Green, Sara Wolf, Amanda Opulskas, and Michael Rock are investment advisor representatives of, and securities and advisory services are offered through, USA Financial Securities Corp. Member FINRA/SIPC. Additionally, Adam Wallace is a registered non-solicitor of USA Financial Securities Corp., A Registered Investment Advisor. 6020 E. Fulton St., Ada, MI 49301. Wolf Advisory Services, LLC and Wolf Financial Advisory are not affiliated with USA Financial Securities Corp.
