It is not what we do that is unique, but how we do it.

Founded in 2000, Timothy Financial Counsel is a fiduciary fee-only financial planning firm. Our sizable team provides a depth of experience and understanding in all aspects of financial planning not found in other hourly-only firms. Our financial advisors are fiduciaries, and we never receive commissions for recommendations we make. We always put your best interests first.

Timothy Financial Counsel is unique even among fee-only planners because we are planning-centric (we primarily offer advice through the lens of your whole financial picture), we advise on but don’t manage assets, and we charge only for our time.

We provide expert investment advice to anyone who wants counsel — no matter the amount of assets.

Since our business model does not depend on managing assets for revenue, we can serve people who have a great deal of assets and those who are just starting out. Clients with a high net worth can be assured the advice they receive is focused on accomplishing their goals and not asset management fees, and clients with modest assets don’t receive less attention or service. Everyone receives the same quality of service.

The largest hourly-only financial planning firm in the country

Many hourly advisors are set up as sole practitioners offering only one perspective. We are an hourly-only firm that utilizes a team approach. Because no one financial advisor is an expert in every area of financial planning, your plan will be vetted by a group of advisors. This provides you with an extra layer of confidence that you’re receiving excellent advice balanced by multiple perspectives.

High pressure sales techniques are not part of our DNA – we hope you won’t mind.

We don’t respond well to the slick sales approach, and we are confident our clients don’t either. Our site provides detailed information on our fee structure. Transparency means you’re in control, and our best clients are those who want to take control of their financial future.

When you are ready, we provide a no-obligation introductory consultation. This meeting allows you to evaluate if we are a good fit and receive a firm quote based on your unique situation.

If you are looking for a firm focused on creating a plan for your financial life no matter the size of your assets, has a team of advisors, and will never charge asset management fees — you’ve come to the right place. We welcome you to review our fees page to get a better idea of costs before you contact us.

Why do people hire us?


We offer clients an independent validation of their financial decisions.

“Am I on the right track?”


We offer clients new ideas and strategies they may not have thought of on their own.

“Are there things I should be doing differently?”

Trusted Thought Partner

We are a trusted resource for you.

“Who will be my thought partner in the future when my situation or external circumstances change?”

Family Resource

We are a resource to your spouse and children.

“Who will I turn to if something happens to my spouse?”

“Who can help prepare my children to manage their finances well?”