Our mission is to eliminate financial uncertainty in retirement. We empower family, friends, and neighbors with the detailed insights and strategies needed to plan confidently, maximize lifetime spending power, and protect their family legacy.

LifeSpend Planner was founded by Tim Schiltz following a distinguished 40-year career as an insurance and retirement services executive across U.S. and Asia-Pacific markets. After retiring, Tim turned his passion for long-term financial modeling toward helping family, friends, and neighbors in the Lakewood National community—where he can frequently be found enjoying the two Arnold Palmer championship golf courses.

Tim has always enjoyed sharing his knowledge on an informal basis as well as formally in his roles as an Actuarial Consultant and as a Mentor for the Entrepreneurial College at the University of Houston.

Financial planning shouldn't rely on rules of thumb or guesswork. Tim’s deep actuarial background and corporate executive experience led him to select the advanced MaxiFi modeling engine for his clients.

Founded by an economist, MaxiFi translates the principles and insights of economics into powerful, easy-to-use software designed to bring clarity to your personal financial decisions.

• State Licensing: LifeSpend Planner is a licensed business entity registered with the State of Florida.

• National Insurance Licensing: Tim holds national licenses for annuities and life insurance policies - including hybrid policies with Long Term Care coverage - and maintains appointments with a large selection of top-tier national carriers.

• Errors & Omissions Coverage: Fully insured through Continental Casualty Company ($1,000,000 per incident / $3,000,000 aggregate).