30+Years guiding retirees
Three interactive tools. No account set up required. Pick the worry that fits you and get a personalized, educational report on screen in seconds, at no cost.
Will your guaranteed income cover your monthly essentials? Find your monthly gap.
Will your money outlast you in a bad market? Stress-test it and see the odds.
Already own an annuity? Get a second opinion on what you own and what it costs.
All three tools run right here in your browser — no download, no account, and nothing leaves the page until you ask for your results.
“After more than three decades of guiding clients toward retirement, I've found that the real issue isn't investment performance. Beneath every conversation lies the same concern: ‘Can I retire with confidence knowing my income will last for the rest of my life?’”
I'm Tim Eckel, and I've spent my career helping people answer that one question with confidence. I started out as a traditional advisor focused on growing and protecting assets, but somewhere along the way I realized that a big account balance doesn't mean much if you can't turn some of it into a dependable paycheck for the next 30 years.
So, I changed how I work. Today, most everything I do starts with income — the difference between the guaranteed money coming in each month and the bills that have to be paid. Close that gap, and retirement stops feeling like a gamble.
I hold the Chartered Financial Consultant (ChFC) designation, and am an Investment Advisor Representative. I work to a fiduciary, best-interest standard. That means my job is to tell you the truth
about what you have — even when the honest answer is “what you've got is fine, leave it alone.”
For more than 10 years, my son, Blake, has been a trusted partner in serving our clients. Through his relentless commitment to our clients and our mission, he has helped strengthen the relationships, trust, and service culture that are the foundation of everything we do.
We never start with what to buy. We start with your retirement paycheck — what's guaranteed, what's at risk, and where the gap is. The right solution reveals itself once the need is clear.
I'll show you plainly how I'm paid, what every option costs, and the trade-offs involved — including when the smartest move is to do nothing at all.
Already own an annuity or have a plan in place? I'll give it a straight review. Sometimes that means confirming you're in good shape. My reputation matters more than any single sale.
Pinpoint the difference between your guaranteed income and your essential expenses — and build a plan to close it for life.
When you claim can mean tens of thousands of dollars. We model the options against your full income picture.
Large pre-tax balances can create surprise tax bills. We plan withdrawals to keep more of what you've saved.
Worried about a downturn early in retirement? We stress-test your plan and add guarantees where they earn their keep.
Leaving a job or retiring? We compare safe-money alternatives focused on income and protection.
Retirement assets should transfer smoothly and efficiently. We help review beneficiaries, tax impact, and strategies to protect your family.
Bring your questions — about income, Social Security, an annuity you own, or just whether you're on track. The first conversation is always free, and there's never an obligation.
Schedule My Free Review