Our Team

Robert T Sinnaeve, CFP®

Bob joined SS&H Financial Advisors, Inc. in 1992, becoming a minority owner in 1999.

Bob earned a Masters of Business Administration from Wayne State University with a dual concentration in Finance and International Business. He earned his Bachelor of Arts degree in Economics with a minor in Finance from Oakland University, of Rochester Hills, Michigan.

Bob began his financial career at Security Bank & Trust. While there he was responsible for daily customer interaction as well as branch management issues, spanning over three regions and encompassing 18 branches. Transferring to the Commercial Loan Department, he became a Senior Analyst where his duties included detailed financial analysis of potential clients as well as preparation for weekly senior management review committees.

Currently Bob is responsible for portfolio management, equity research and compliance. Bob co-authors the company's quarterly newsletter as well as the Market Commentary. Portfolio management is his primary function with particular attention to implementation of investment programs. Bob is the Chief Compliance Officer as well as a principal of SS&H Financial Advisors, Inc. Bob has always enjoyed the personal aspect of investment management. "Getting to know our clients and interacting with colleagues is the most rewarding part of being at SS&H."

Bob is a member of the Investment Management Consultants Association. Bob is registered in the state of Michigan as an Investment Advisor Representative.


Barbara A Garrow

Barb joined SS&H Financial Advisors, Inc. in 1985. She became a co-owner of the firm in 2001. Barb started in the financial arena as an investment representative with the company now known as Ameriprise.

Barb’s educational background includes an MS in Finance from Walsh College of Business as well as a Masters in Clinical Social Work from the University of Maryland. Both advanced degrees have been invaluable to Barb’s expertise as an investment advisor. "It has been our experience that how you feel about your money and investing is just as important as an investment’s fundamentals."

Barb’s responsibilities include portfolio management, investment research and fixed income management. She co-authors the company’s quarterly newsletter as well as the Market Commentary. As managing partner in SS&H Financial Advisors, Inc. she also overseas day-to-day company operations.

As a firm principal, Barb is serious about continuing education. Barb is a member of the Investment Management Consultants Association. Their literature and conferences are just some of the resources Barb taps to stay abreast of financial markets and investment trends. Barb is registered in the state of Michigan as an Investment Advisor Representative.


Operational Team Members

Kathryn Schultz (Katie) - Executive Assistant/Office Manager

Sandra Sinnaeve - Comptroller