Timothy Hinsvark was born and raised in Coronado CA. Tim and his late wife Mimi raised 2 wonderful children now age 26 and 24. Tim spent over 20 years as the San Diego Branch Manager and Regional Vice President for a nationwide securities firm. Tim decided to take an early retirement and obtained his designation Chartered Retirement Plans Specialist (CRPS) from the CFP College.
In 2009 Tim and his colleagues opened a boutique wealth management firm focusing specifically on safe money and ultra-low risk retirement strategies based on Nobel Prize winning economist William Sharp's important study "Efficient Retirement Strategies". Tim was the Host of "Safe Money Radio" on KFMB 760 for several years and is the President of Insured Wealth Solutions.
In 2009 Tim and his colleagues opened a boutique wealth management firm focusing specifically on safe money and ultra-low risk retirement strategies based on Nobel Prize winning economist William Sharp's important study "Efficient Retirement Strategies". Tim was the Host of "Safe Money Radio" on KFMB 760 for several years and is the President of Insured Wealth Solutions.
Services
Today there is very real risk of outliving your retirement savings. Research shows that running out of retirement income is the number one fear of retiring Americans, even over death. The current probability that you will live to age 90 or 100, especially considering current medical advancements, is substantially high.
The fact is the market will crash again, it always does. Market declines have occurred nearly every decade for the past 200 years. It is the very nature of the stock market. This has a devastating effect on retirement planning and investments. Depending on your portfolio, all of your invested assets could potentially disappear overnight.
In a single year, Americans faced a $494 billion tax increase, the highest ever in one year. The average American household experienced tax increases by $3,800 in 2013 alone. Taxpayers are now seeing even higher tax rates in succeeding years. Luckily, we have 30 years of experience in educating our clients about their reduced tax, or tax-free, retirement and investment options.
Tracking your finances can be an overwhelming challenge for anyone. For most, understanding even the basics of money management can be difficult, so often incorporating these concepts into a master plan is out of the question. Between working, paying your bills, and your daily life, tracking your financial health can seem impossible.
The definition of growing old in America continues to change. People are now living longer and are better educated - resulting in better health, higher income, and a higher standard of living in retirement. Today, Baby Boomers who are healthy and now in their 60s will likely live 30-to-35 years in retirement, a major improvement from the previous generation.
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