About Us

Expert Insurance Services Tailored to Affluent Individuals

We are committed to providing expert advice, evaluation, and implementation of annuities, life, disability, long-term care, and property and casualty insurance. Our mission is to provide unbiased insurance solutions that protect the financial well-being of affluent families.

Our process is built on transparency and expertise, removing sales pressure to focus entirely on securing the most appropriate and competitive coverage using a process that complements fiduciary relationships.

Bob and Debbie are a devoted husband-and-wife team who bring their shared values of family, dedication, and collaboration into every aspect of their work. They are the proud parents of two daughters: their youngest, a high school junior who is actively involved in competitive cheerleading, swimming, and golf, while their eldest has pursued her passion as a 5th-grade elementary school teacher in Colorado after graduating from Grand Canyon University. When they aren’t supporting their daughters, they enjoy cheering on the Colorado Avalanche, and spending quality time with their three beloved dogs—a small Yorkie and two German Shepherds—although Debbie gets most of the credit with the dogs.

Our Commitment to You and Your Clients
We understand the intricate needs of affluent clients and the high standard of care their financial advisors provide. Our approach is built on a foundation of expertise, transparency, and dedicated service, ensuring our clients receive the most competitive and appropriate coverage available.

Specialized Expertise
We concentrate exclusively on insurance solutions for today’s more affluent financial situations. This focus allows us to navigate insurance needs with precision and focus.

A Collaborative Process
Our process is designed for seamless integration within fee-only financial planning practices. We provide comprehensive, multi-carrier comparisons and concierge-level service, eliminating high-pressure sales tactics.

Unbiased, Client-First Recommendations
As an independent firm, our guidance is always objective. We analyze options from the nation’s most reputable carriers to secure the most favorable terms and pricing, ensuring the solution aligns perfectly with both current needs and long-term financial plans.

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Meet Our Experts

Bob Gertie

Life, Disability, LTC and Annuities

With nearly 30 years in financial services, Bob specializes in creating effective insurance strategies for affluent clients. As CEO of Advisor Insurance Resource®, which he founded in 2008, he delivers expert, reliable guidance for fee-only financial advisors.

Since 1996, Bob has earned a reputation for delivering timely, accurate insurance solutions. Licensed in 48 states, he works exclusively with clients referred by financial professionals, providing tailored insurance strategies across the country.

Bob’s deep expertise has made him a trusted voice in the industry. He has been featured in prominent publications such as Financial Advisor Magazine and NAPFA Advisor Magazine. Beyond his written contributions, Bob is a frequent speaker and educator, regularly presenting for:

NAPFA Study Groups nationwide
Multiple Financial Planning Association (FPA) events
Medical schools across the country as a guest speaker

His commitment is simple: to provide transparency and expertise that complements the financial planning process without the pressure of sales tactics.

Life Outside the Office

When he isn’t consulting with advisors and clients, Bob enjoys spending his time on the golf course, honing his skills and unwinding outdoors. He is passionate about giving back to the community by actively contributing to various causes through leadership roles. A fun fact about Bob: he earned his first patent at the age of 17.

Debbie Gertie

Auto, Home, Liability, Commercial

Since 2008, Debbie Gertie has been an integral part of Advisor Insurance Resource®, distinguishing herself as one of the few national experts in Property and Casualty (P&C) insurance. As an independent broker licensed throughout the majority of the United States, she provides objective, specialized guidance that clients can trust.

Debbie possesses deep expertise within the high-net-worth arena, where she skillfully navigates complex insurance landscapes. She is known for successfully placing some of the most difficult home, auto, and liability insurance cases by leveraging strong relationships with today’s top affluent market carriers. Her work ensures that clients receive sophisticated coverage solutions tailored to their unique risks.

Beyond her work with individual clients, Debbie is a trusted partner to the financial planning community. She collaborates with financial planners across multiple focus groups, including specialized women-based financial planning organizations. Furthermore, she frequently shares her knowledge as a speaker at various financial planning conferences, educating professionals on critical aspects of property and casualty insurance.

Life Outside the Office

When she is not advocating for her clients, Debbie enjoys immersing herself in a good book, expressing her creativity through crafting, and staying energized with regular runs including completing three marathons. A fun fact about Debbie: she is an expert costume maker, having created memorable outfits such as the Lunch Lady from SNL, a Geico Caveman Cheerleader, and Snooki.

A Legacy of Trust and Protection

Advisor Insurance Resource® was founded to bridge the gap between financial planning and insurance implementation. We recognized that fee-only advisors need a trusted partner who provides objective insurance expertise without conflicts of interest. For nearly three decades, we have served as that partner, helping professionals safeguard their clients’ income, assets, and legacies.

Partner with Us

Engage Advisor Insurance Resource® to provide your clients with the specialized insurance expertise they deserve. We are ready to deliver the objective analysis and tailored solutions required to secure their financial futures in unison with your financial planning objectives.