Timm Financial Services

Timm Financial Services is a state-registered investment adviser that provides fee-based, discretionary portfolio management and financial planning to individuals, trusts, estates, charitable organizations, corporations, and other business entities. In addition to investment advisory work, the firm offers standalone estate-planning services and its investment adviser representatives provide tax and accounting services and are licensed to sell insurance products for separate compensation.

The firm follows a tactical allocation approach intended to reduce risk and pursue enhanced performance, using fundamental, technical and cyclical analysis across a range of instruments (including mutual funds, individual securities, options and cash positions used as hedges). Portfolios are managed on a customized, discretionary basis with periodic reviews and the firm may recommend reallocations, sector-specific stock selections, or use of cash and options to address market movement and client objectives.

What sets Timm Financial apart from many supported peers is its ancillary tax, accounting and insurance activities: adviser representatives provide tax and accounting services for separate fees and are licensed insurance agents, a combination the firm discloses and manages through a Code of Ethics because it creates potential conflicts of interest. The firm also operates with a relatively small client base and does not position itself as serving high‑net‑worth individuals, a profile that differs from many advisors in its category.