We equip you to take control of your financial life

Because the status quo doesn’t work in a changing world

Timothy Financial helps you clarify your financial goals, see the big picture, and put together an action plan for your future. Topics might include retirement planning, specific investment recommendations, tax planning, college saving, insurance review, estate planning, and more.

Our process is simple

  1. We help you securely gather your data.
  2. We perform an in-depth review of your current financial situation and develop a clearly written plan that fits your individualized objectives and risk tolerance.
  3. We review our recommendations with you in detail at our presentation meeting and answer any questions you might have. We can present alternate scenarios and show the financial impact of various decisions.
  4. Most clients continue to engage our services for regular review meetings, and to answer questions as they arise or life circumstances change.

Gauge your level of complexity

Review the chart below to understand the services we offer and to estimate your complexity level and initial cost. We want you to feel comfortable before you even connect with us.

Visit our fees page to learn more about costs or call our office at (630) 681-0700, ext. 107 and arrange a no-charge introductory meeting.

Cash Flow Services

Level and vehicle for emergency fund
How/when to pay off debt
Employment benefits review
College education planning
Contributions to 401(k) and IRA
Five-year cash flow projection
Retirement projections
Income tax planning
Home purchase decision
Charitable giving strategy
Social security planning
Pension election planning
Retirement withdrawal planning
Timing of retirement
“Windfall” planning (inheritance, business sale, severance, etc.)
Stock options/ restricted stock strategies
Deferred compensation strategies
Small business retirement plan selection
Pre-65 healthcare planning
Job/career change evaluation

Investments Services

Asset class allocation
Specific advice for
current employment
retirement plan only
Specific advice for multiple retirement accounts
Specific advice for multiple retirement and taxable accounts
Guidance on variable annuities

Insurance Services

General advice on types and amounts of life insurance
Specific advice on types and amounts of life insurance
General property/casualty liability, disability, and long-term care advice
Specific advice on existing term life insurance policies
Specific advice on existing term and permanent life insurance policies
Long-term care cash flow analysis

Estate Services

Basic estate planning advice
Estate design
Review of existing documents
Charitable estate planning
Estate settlement advice
Irrevocable trusts

Cash Flow Services

1

2

3

4

5

Level and vehicle for emergency fund
How/when to pay off debt
Employment benefits review
College Education Planning
Contributions to 401(k) and IRA
Five-year cash flow projection
Retirement projections
Income tax planning
Home purchase decision
Charitable giving strategy
Social security planning
Pension election planning
Retirement withdrawal planning
Timing of retirement
“Windfall” planning (inheritance, business sale, severance, etc.) Basic Low Medium High
Stock options/restricted stock strategies Low Medium High
Deferred compensation strategies Low Medium High
Small business retirement plan selection Low Medium High
Pre-65 healthcare planning Low Medium High
Job/career change evaluation Low Medium High

Investments Services

1

2

3

4

5

Asset class allocation
Specific advice for
current employment
retirement plan only
One
Specific advice for multiple retirement accounts Few Some Many A lot
Specific advice for multiple retirement and taxable accounts Few Some Many A lot
Guidance on variable annuities One Few Many

Insurance Services

1

2

3

4

5

General advice on types and amounts of life insurance
Specific advice on types and amounts of life insurance
General property/casualty liability, disability, and long-term care advice
Specific advice on existing term life insurance policies
Specific advice on existing term and permanent life insurance policies
Long-term care cash flow analysis

Estate Services

1

2

3

4

5

Basic estate planning advice
Estate design
Review of existing documents
Charitable estate planning
Estate settlement advice
Irrevocable trusts

or contact us today
Numbers Talk:
Single vs. Married Timothy Financial Clients

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