WHO WE ARE
MEET OUR TEAMour mission
At Fundamental Wealth Solutions, we feel that your wealth is about more than just investing; it is about you. Our mission is to challenge conventional wisdom in our approach to both growing and managing what you have worked very hard to save over your lifetime. We believe in doing well by doing right and to conduct ourselves with uncompromising honesty and integrity. It is our sincere desire to help every client that we serve, achieve their true financial goals.
Bob Hoger
Bob started his career in the financial services industry over 3 decades ago helping small business owners secure affordable benefits for their employees. Shortly after his start, Bob developed a passion for helping people achieve their financial and retirement goals and moved out of the employee benefits side of the business and committed his career to financial planning and advising. His area of focus is on income planning and developing strategies for his clients to create sustainable income sources while at the same time, maintaining enough liquidity to enjoy some of the fun thing’s retirement has to offer. Bob is a believer in having risk control associated with his recommendations and understands the importance of not only getting his clients “up the mountain”, but back down safely as well. He understands that retirement is not the end, but the beginning of life’s next chapter.
Bob is the founder and CEO of RA Hoger & Associates LLC and Fundamental Wealth Solutions, co-founder and owner of Michigan College Funding LLC. Bob is a Registered Representative and an IAR with Sigma Financial Corporation and Sigma Planning Corporation. He holds a FINRA Series 6, 63 and 65 along with a Life and Health license including a Long-Term Care endorsement.
When Bob isn’t working, he is spending time with his family and is either out on the lake or on the golf course.
Bob Hoger
Bob started his career in the financial services industry over three decades ago, helping small business owners secure affordable benefits for their employees. Shortly after his start, Bob developed a passion for helping people achieve their financial and retirement goals and moved out of the employee benefits side of the business, committing his career to financial advising. His area of focus is on income planning and developing strategies for his clients to create sustainable income sources, while at the same time maintaining enough liquidity to enjoy some of the fun things retirement has to offer. Bob is a believer in having risk control associated with his recommendations and understands the importance of not only getting his clients “up the mountain,” but back down safely as well.
Bob is the founder and CEO of RA Hoger & Associates LLC and Fundamental Wealth Solutions, co–founder and owner of Michigan College Funding LLC, and is a Certified College Planning Specialist, CCPS. Bob is a Registered Representative and an IAR with Sigma Financial Corporation and Sigma Planning Corporation. He holds a Series 6, 63 and 65 licenses, along with a Life and Health license that includes a Long–Term Care endorsement.
When Bob isn’t working, he is spending time with his family and is either out on the lake or on the golf course.
Kevin Howard
Kevin was born and raised in Metro Detroit, and was drawn to multiple areas of study at a young age. He has been very active in music education since high school, teaching in many school districts of various townships surrounding Farmington Hills, his hometown. Even before he began teaching music, Kevin had found another passion in the financial world. Due to the passing of his grandfather and aunt, he inherited some money and became interested in managing, investing, and protecting this inheritance at an unusually young age.
In 2018, Bob brought Kevin on board to work as his personal assistant, and quickly found that he could bring more to the table. Kevin became insurance–licensed in the state of Michigan in 2019, and has also met the required endorsement to sell long–term care policies.
Kevin and his wife, Michelle, currently live in Royal Oak with their two children, and enjoy all that the smaller downtown life has to offer. In their free time, they like going out to restaurants with friends, traveling, and spending time up north in the great outdoors.
Kevin Howard
Kevin was born and raised in Metro Detroit, and was drawn to multiple areas of study at a young age. He has been very active in music education since high school, teaching in many school districts of various townships surrounding Farmington Hills, his hometown. Even before he began teaching music, Kevin had found another passion in the financial world. Due to the passing of his grandfather and aunt, he inherited some money and became interested in managing, investing, and protecting this inheritance at an unusually young age.
In 2018, Bob brought Kevin on board to work as his personal assistant, and quickly found that he could bring more to the table. Kevin became insurance–licensed in the state of Michigan in 2019, and has also met the required endorsement to sell long–term care policies.
Kevin and his wife, Michelle, currently live in Royal Oak with their two children, and enjoy all that the smaller downtown life has to offer. In their free time, they like going out to restaurants with friends, traveling, and spending time up north in the great outdoors.