Timothy Financial Counsel is a fee-only financial advisory firm that specializes exclusively in comprehensive financial planning and individual consultations. The firm does not manage investment portfolios, hold client funds, or have trading authority, operating instead on an hourly, fixed project, or quarterly fee basis. Services cover income and cash flow management, retirement planning, college funding, estate planning, investment analysis, tax-saving strategies, and risk management. Timothy Financial Counsel categorizes its financial planning engagements into various complexity levels, ranging from basic plans to highly complex strategies for high-net-worth individuals and business owners. The firm acts legally required to act in your best interest when providing advice. Clients retain full responsibility for implementing recommendations and executing trades, though Timothy Financial Counsel offers coaching and assistance through its support team.
Fee Structure
- Start-the-Clock Hourly Advice — Open-ended meetings billed at hourly rates ranging from $375 to $800 per hour depending on the advisor
- Level 1 Financial Plan — $3,750 to $7,500 for low complexity plans involving basic tax planning, college savings, and retirement contributions
- Level 2 Financial Plan — $5,625 to $11,250 for low to moderate complexity plans with cash flow projections and comprehensive recommendations
- Level 3 Financial Plan — $7,500 to $15,750 for moderate complexity plans including advanced tax strategies, employee benefits, and small business consulting
- Level 4 Financial Plan — $11,250 to $19,800 for moderate to high complexity plans covering executive compensation, complex estate documents, and business ownership
- Level 5 Financial Plan — $18,000 and up for high complexity situations involving substantial wealth, complex estates, or unique business assets
- Investment Implementation Assistance — $215 per hour for team members to coach clients through implementing recommendations and executing trades themselves
