BOB GARDNER, CLU, ChFC, RFC, has been a practicing financial advisor for more than three decades. As president of WSG Advisors, Bob focuses his expertise on comprehensive wealth management for retirees and pre-retirees. With a strong background in financial services and insurance, Bob has knowledge of how money works and, more importantly, how to make it work for his clients. Since his college days, he has continually worked to further his professional education and business acumen. Committed to helping retirees and pre-retirees live their ideal lives, Bob has conducted more than 320 seminars and workshops since 1997, as well as more than 4,000 consulting interviews with individuals in or nearing retirement. A native South Carolinian, Bob and his family have been residents of Hilton Head Island since 2004.