Advisor at Phase Line Financial
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Phase Line Financial
Location
Cincinnati, OH
Credentials
CFP®, Series 66
Industry experience
12 years
Timothy Koester is a CFP® with 12 years of experience in the financial services industry. He is the principal advisor at Phase Line Financial, having previously worked at firms including Journey Advisory Group, Ameriprise Financial Services, and U.S. Bancorp Investments. Koester serves as Treasurer on the Board of Directors for Cincinnati Therapeutic Riding and Horsemanship. Phase Line Financial provides investment management and financial planning services to individuals, high-net-worth clients, charitable organizations, and businesses. The firm employs a combination of fundamental and technical analysis alongside modern portfolio theory, offering both discretionary and non-discretionary portfolio management through a wrap fee program.
Based on Phase Line Financial
Based on Phase Line Financial
Project-Based Financial Planning fixed fee $1,000 to $12,500; Ongoing Financial Planning fixed fee $500 to $6,125 quarterly
$0 - $250,000: 1.25% $250,001 - $750,000: 1.00% $750,001 - $1,500,000: 0.90% $1,500,001 - $3,000,000: 0.80% $3,000,001 - $5,000,000: 0.70% $5,000,001+: 0.50%
$350/hour for Project-Based Financial Planning
Ongoing Financial Planning recurring fixed fee paid quarterly ranging from $500 to $6,125
Fee-only: Financial planning fees: Initial fee $500 to $6,125; Ongoing fixed fee $500 to $6,125 quarterly; Project-Based fixed fee $1,000 to $12,500; Hourly fee $350/hour
Cincinnati, OH
Ohio
Phase Line Financial LLC
2025 - Present (1 year)
Journey Advisory Group
2022 - 2025 (3 years)
Ameriprise Financial Services, LLP
2020 - 2022 (2 years)
U.S. Bancorp investments, Inc.
2018 - 2020 (2 years)
US BANK
2018 - 2019 (1 year)
Wells Fargo Clearing
2016 - 2018 (2 years)
WELLS FARGO ADVISORS LLC
2014 - 2016 (2 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is not active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
PFS™, Series 63, Series 65
Cincinnati, OH
Russo Investment Management
Series 65
Cincinnati, OH
J1 Capital LLC
CFP®
Edgewood, KY
Hannegan Wealth Management, LLC
CFA®, Series 63, Series 65
Cincinnati, OH
Virgil Wealth Advisory
ChFC®, Series 63
Cincinnati, OH
Schmerge Executive Planning Services, Inc.
CFA®, Series 63
Cincinnati, OH
Ten Talents Asset Management
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")