About

About Robert DeChick

With more than 25 years (started in August 1999) of experience in the investment and financial services industry, Robert DeChick, advisor, specializes in financial and retirement planning, investments, and insurance. He is the founder and co-owner of Courtland Walker Financial Group.

DeChick holds his Series 6, Series 66, and Series 7 licenses with the SEC/FINRA. He also has an insurance license, which enables him to assist and advise retirees and pre-retirees with their annuity, income, and tax-free estate planning. DeChick is a Financial Consultant to leading estate planning attorneys and CPA firms throughout Central Florida.

Orlando Magazine has honored him four consecutive times (2013-2016) with the Five Star Wealth Manager of the Year Award.

Robert DeChick, advisor, received his Bachelor’s degree in Public Administration/Finance from Iowa University.

Rob DeChick and Courtland/Walker Financial Group

DeChick’s company, Courtland/Walker, is a full-service financial firm dedicated to helping clients achieve their financial objectives. The firm provides open communication and reliable financial information, allowing clients to better understand their objectives and make sound financial decisions. Skilled financial planners work with each client to design comprehensive financial plans tailored to their unique situation.

Courtland/Walker and DeChick offer diverse financial products and services to assist people, retirees, and business owners in achieving their goals.

The products and services Robert DeChick, advisor, offers to assist clients with their financial and retirement goals include the following:

Retirement Strategies

Depending on where someone is in their career, aspirations, and lifestyle goals, DeChick helps clients develop a retirement roadmap. Some are saving for retirement, while others are transitioning into retirement or are already retired. Products may include contributions to a client’s 401(k), opening an IRA or Roth IRA, or an annuity. The strategy may also involve purchasing stocks and mutual funds. DeChick discusses his clients’ risk tolerance to see what strategy is the best fit.

Investment Management

DeChick provides investment management services to clients, including asset allocation, short- and long-term investment and income strategies, tax and management, portfolio management, and risk identification.

Insurance

Life insurance helps protect loved ones in the event of death. DeChick provides clients with various life insurance products, including term life, whole life, and life insurance for business owners.

Estate Conservation

DeChick assists clients in protecting and preserving their wealth for generations to come.

Annuities

Annuities are insurance-based financial tools that offer various benefits for retirement planning. They help mitigate longevity risk by providing the option for lifetime income. Fixed annuities allow contributions through a lump sum or monthly premiums, which grow tax-deferred during accumulation. Taxes apply only when funds are withdrawn. Afterward, in the distribution phase, regular payments are made based on factors like the type of annuity and total contributions. Fixed annuities guarantee a minimum payout and a locked-in interest rate.

Variable annuities, on the other hand, involve contributions that fund payments for retirement or a chosen period. Unlike fixed annuities, their value fluctuates with the performance of underlying investments.

Fixed annuities are generally less risky than variable annuities. Robert DeChick discusses several factors with his clients when choosing the right annuity.

Stocks

Choosing stocks to invest in is an individualized process requiring careful consideration of financial goals, risk tolerance, and investment knowledge. DeChick helps identify a mix of investments, including stocks, that are appropriate for clients and designed to help them reach those goals.

Mutual Funds

These investment vehicles pool funds from several investors to purchase a diverse portfolio of stocks, bonds, or other securities, with each owner owning shares in proportion to their contribution. Mutual funds are often utilized in retirement planning because they provide diversity, expert management, and lower risk than alternative investments. Dechick helps clients determine if mutual funds can fit into their retirement plans.

IRAs

Clients can choose from a traditional IRA, Roth IRA, or SEP IRA. Traditional IRAs are tax-deferred retirement savings accounts. There is no tax on the portion of the income invested and no tax on the additional value from the investment gained; however, there are potential taxes on withdrawals in retirement.

A Roth IRA is funded with taxed income. There is no tax on the additional value your investments gain and no tax on withdrawals in retirement. Simplified employee pension (SEP) IRAs are tax-deferred retirement savings accounts set up by business owners or self-employed individuals for themselves and any employees. Earnings grow tax-free and are subject to the same rules as traditional IRAs.

When discussing the IRA options, Robert Dechick will consider the various tax advantages and liabilities of different accounts, a client’s income, possible tax consequences, the mix of investments in a client’s portfolio (stocks, bonds), and risk tolerance.

Other products include Futures & Commodities and Exchange-Traded Products.

Robert Dechick’s Military Service

Dechick served our country, serving four years of active military duty in the United States Air Force. He received an Honorable Discharge (Meritorious Service Medal Winner) and is a Disabled Veteran.