“I love my current financial advisors for managing my portfolio, but I needed a more specific strategy for my monthly income. LifeSpend Planning was the perfect bridge - it provided the spending blueprint I was missing without requiring me to move a single cent of my investments. Also, I never realized how much I was losing by pulling from the wrong accounts at the wrong time. LifeSpend Planning coordinated my withdrawals to minimize my lifetime tax bill. It’s 'found money' in my own accounts”

— M.M. Age 69, Jupiter, FL

“LifeSpend Planning provided stress‑tested insights that allowed me to confidently rethink both how and when I distribute my assets. I now realize that I can — and genuinely prefer to — watch my family enjoy these resources during my lifetime. Whether it’s helping with a down payment on a first home, funding unforgettable family vacations, or contributing to tuition for the grandkids, I finally understand that these moments of impact mean far more to me than having them inherit everything only after I’m gone.”

— L.S., Age 59, Bradenton, FL

“I’m very protective of my financial data. I was thrilled that I could get a high-level, custom analysis without ever having to share my bank passwords or account login details. It’s professional planning that actually respects your privacy.”

— C. S. Age 61 Bradenton, FL

Tim has a vast knowledge of financial products and services.  Through his background in actuarial work, he was able to do a deep dive into our retirement accounts and spending lifestyle.  We liked the fact that he was upfront in stating that he was not a financial planner and didn’t want to disrupt those established relationships.  We were given options for reallocating a portion of our traditional retirement, on a timely basis, into Roth IRA’s and establishing a QLAC in order to reduce tax liabilities in our later years.  He demonstrated how much we can accurately spend each year and still meet our longterm goals of passing monies on to our children.  Tim’s custom analysis brought a different approach and perspective to our financial planning.

— D.S. Age 71, and CS Age 67,  Lakewood Ranch, Fl

“One thing I have learned over my career is the importance of perspective and the advantage of examining issues from multiple vantage points. I have worked with the same financial advisor well over 15 years and as both a certified financial planner as well as a CPA, he provides me with perspective from multiple vantage points. I took the opportunity to explore LifeSpend Planning out of curiosity and was pleasantly surprised to find yet another new perspective around my financial plan. LifeSpend Planning opens up a new portal and brings to light a very detailed analysis around questions which have yet to be examined with respect to spending rates within my overall financial plan. My focus has been on building financial freedom with very little thought about actually spending what has been built. The addition of a LifeSpend Plan rounds out my financial plan by providing efficient, flexible and effective options for spending.”

— T.F. Age 76, Bradenton, FL

“Most financial conversations can feel like a sales pitch, but my experience with LifeSpend was completely different. The entire discussion was educational and low-pressure, and I never once felt like I was being “sold” something I didn’t need. I walked away with a clear understanding of our financial picture and a thoughtful plan for the future. As an educator with a pension, I had always felt somewhat secure about retirement and, admittedly, didn’t think about it as much as I probably should have. However, the conversation helped me realize the importance of truly balancing our finances so we can maintain the lifestyle we enjoy now, continue to support our children, and still have the ability to travel and experience the things that matter most to us. Tim is not only incredibly knowledgeable, but also honest and genuinely invested in understanding your finances and your lifestyle. He takes the time to really listen and then helps tailor a future plan that aligns with how you live today and what you want life to look like in retirement.”

— J.V. Age 46, Kings Park, NY

“I realized that I needed a more specific strategy for managing our monthly income. LifeSpend was the perfect bridge; it provided the spending blueprint I was missing without requiring me to move a single cent of my investments. My wife typically handles most of our financial planning, but I began to feel uneasy about the unknowns of the future. I started thinking about questions like: What happens if something happens to me and my family is left behind? Will they have enough to live comfortably? God willing, I hope to enjoy many years after retirement, but I also want to make sure we can truly enjoy that time - to travel, take vacations, and live the life we’ve worked so hard for. Tim was not only incredibly knowledgeable, but also patient and willing to go the extra mile to make us feel comfortable. He welcomed every question we had - even the ones that might seem simple to others but felt like a completely different language to us. We highly recommend Tim. He takes the time to truly understand your financial situation and develops a plan that is tailored specifically to you and your goals. He won’t steer you wrong—he’ll guide you in the right direction so you can feel confident about living the life you want.”

— J.V. Age 49, Kings Park, NY