President, Terra Firma Business and Financial Consultants, LLC

Asset Coach & Tax Strategist

My experience has taught me that when you educate others about their assets by talking to them, rather than over them or down to them, then they can make decisions based on knowledge.


Robert “Bob” has been assisting businesses since 2001.

He brings a wealth of experience in comprehensive planning to businesses as well as a strong sense of customer care, confidence and integrity to every relationship. He understands that each client is unique and therefore deserves a strategy to match their uniqueness and individuality.

Robert Wolf is the author of the book, Economic Termites. By focusing on helping his clients to develop strategies to protect themselves from what he has named the “Economic Termites,” Robert combines specific IRS tax code strategies as well as understanding the need to use the different efficiencies available with the various products and services from whom he calls the “Main Financial Distributors”: banks, investment companies and insurance companies.

He believes everyone should seek education in the rules of money due to the complexity of information available. The old adage, “knowledge is power” is fitting, but knowledge also helps limit mistakes. Bob spends the time to educate his clients about concepts such as “Expenses-Based Planning versus Income-Based Planning,” and “Taxable Income versus Tax-Efficient Income.”

Robert Wolf is a member of the following organizations: National Association of Insurance and Financial Advisors (NAIFA), Association of Accredited Small Business Consultants (AASBC), International Association of Registered Financial Consultants (IARFC), International DI Society (IDIS) and Society of Financial Professionals (SFP). Bob’s association with these organizations are a perfect fit because they allow him to help his community by educating them on the various areas of finance.

As the president of Terra Firma Business and Financial Consultants, LLC, Bob focuses on educating his clients about the various strategies available to businesses and how those same strategies apply to individual owners—the two are not separate.

Bob is also the president as well as an Investment Advisor Representative of TF Wealth Management, LLC, a California Registered Investment Adviser, which requires him to be a fiduciary for his clients. He holds insurance licenses focused on life, health, property and casualty. California License No. 0D57265.

As a dedicated husband and father of three children, Robert is very involved in their numerous activities and sports, actively participates in various church activities, and donates his time and talents to local camps for kids.