Licensed to sell or buy: Stocks, Bonds, Mutual Funds, Variable Life, Variable Annuities, CD's, Exchange Traded Funds (ETF's), Real Estate Investment Trust (REIT's).

Retirement Projections & Planning
Income Creation for Retirement
401(k) & Company Pension Rollovers
Roth IRA's, IRA's, SEP IRA's, Simple IRA's, 401(k)'s

Long Term Care Insurance: Tim is licensed with the top companies in this field. Daily benefit available for nursing home care, assisted living, home and community care and familial care. Asset protection for people without long-term care insurance. Options are available to people even if they do not have insurance whether in the nursing home or not. Each case is unique but your assets can be saved for your heirs.

• Fixed annuity
• Variable annuity
• Equity index annuity

• Low cost Term Insurance
• Universal Life Insurance
• Variable Universal Life Insurance
• Variable Life Insurance
• Whole Life Insurance
• Single Premium Life Insurance

Goal is minimization of estate taxes owed to the federal government and maximization of assets to heirs or charity. Work toward ease of transferring estate whether charitable giving or gifting.