Robert Klosterman, CFP® is the founder of White Oaks Wealth Advisors, Inc. and White Oaks Investment Management, Inc. White Oaks has been recognized by CNBC.com as one of the top 100 fee-only wealth management firms in the country. Bob's first book, “ The Four Horsemen of the Investor’s Apocalypse” is available on Amazon as of January 2015. Bob has been listed as one of the Top 250 Financial Advisors in the United States by Worth Magazine. He has also been recognized as one of the top 150 Financial Advisors by Mutual Fund Magazine, Medical Economics and Bloomberg’s Wealth Manager Magazine. Bob’s published quotes appear frequently in dozens of local and national publications, including USA Today, the New York Times, Minneapolis Star Tribune, Wall Street Journal, CNBC.com, Investors Watchdog, CFP Today, Barron’s and Fortune.