Timothy Financial Counsel, Inc.

Timothy Financial Counsel, Inc. is a fee-only, hourly financial planning firm that provides individual consultations and project-based advice on topics such as income and cash flow management, retirement planning, college funding, estate planning, tax strategies, and risk management for clients that include individuals, families, businesses, trusts, charities and retirement plans. The firm also conducts educational seminars for third-party sponsors and offers follow-up engagement options for clients who want periodic updates.

The firm operates on a time-based billing model rather than percentage-of-assets fees and does not custody client funds or accept trading or discretionary authority; its written disclosures state that advice typically terminates upon delivery and clients are responsible for implementing recommendations unless they engage implementation assistance. For investment guidance Timothy generally favors diversified exposure through no-load mutual funds and ETFs, emphasizes asset allocation and periodic rebalancing, and typically avoids recommending individual company securities.

Compared with many multi-team peers, Timothy’s ADV highlights that it reports no assets under management and focuses on advisory and implementation coaching instead of ongoing portfolio management, offering a structured multi-level planning menu and an option to pre-purchase blocks of time. The brochure also discloses seminar activity, a modest referral and gift policy, adherence to the NAPFA Code of Ethics and a fiduciary standard, and the firm’s use of testimonials in advertising, which is less common among firms of this size.