Tim is president of AHP Financial Services. He is a CERTIFIED FINANCIAL PLANNER (TM), Certified Life Underwriter (CLU) and Chartered Financial Consultant (ChFC).
Tim offers a low-key planning approach to investing and specializes in helping individuals accumulate and preserve wealth for retirement. He places an emphasis on fee-based* investing and utilizing multiple managers to create a well-diversified portfolio. Although retirement planning is his specialty, Tim offers other accounts, products and services for clients, including life insurance and analysis, pension plans, and professional money managers.
He began his career in the securities business with E.F. Hutton in 1985 and holds several securities and insurance licenses.
Tim is past president and current member of the Bay City Noon Rotary and past chairman and current board member of the American Red Cross East Shoreline Chapter. He also is a member of the Bay Area Chamber of Commerce, the Financial Services Institute, and the Financial Planning Association.
*In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part II as well as the client agreement.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Raymond James is not affiliated with the above organizations and/or charitable causes.