Reflecting on retirement with Bob Hegardt

“You make a living by what you get; you make a life by what you give” is an inspirational and thought-provoking quote by Sir Winston Churchill. Though it remains a challenging task for many to achieve, through selfless hard work and seamless determination Bob Hegardt achieved such a mission in his personal life and successful business career at Banc of America Investment Services, Inc. in Bonsall.

Now that Hegardt has recently reached the opportunity to bask in his retirement days on the golf course, he can do so with a smile, knowing he has made an indelible imprint within the town of Fallbro...