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Timothy Lyons Jr.

Advisor at Cetera

Updated today

Location

Caro, MI 48723

Credentials

Series 63, Series 66

Industry experience

16 years

About

Timothy Lyons Jr. is a financial advisor at Cetera with 16 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Cetera since 2011. Outside of his advisory role, Lyons coaches basketball at Kingston Community Schools. Cetera serves a wide range of clients, including individual, high-net-worth, institutional, and retirement-plan investors, offering portfolio management, financial planning, and fiduciary solutions through a large network of independent advisors.

Client services

Based on Cetera

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Based on Cetera

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Charitable giving & philanthropy

Occupation focus

Based on Cetera

Founder/Business Owner Executive Retired

Demographic focus

Based on Cetera

HENRY (High Earners, Not Rich Yet) Approaching retirement

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Fee options

Fixed

Flat fees for financial planning and consulting negotiated with client

Percentage

$0 - $250,000: Up to 2.75% $250,001 - $500,000: Up to 2.50% $500,001 - $750,000: Up to 2.00% $750,001 - $1,000,000: Up to 1.75% $1,000,001 - $2,000,000: Up to 1.50% $2,000,001 - $5,000,000: Up to 1.25% $5,000,001+: As low as 0.75% (varies by program)

Project-based

Hourly consulting and financial planning rates negotiated with client

Other

Account minimum: $5,000 Minimum fee: Minimum program fees ranging from $99 to $199 annually depending on program Fee-only: Flat or hourly fees for financial planning and consulting services, negotiated case-by-case

Location

1111 West Caro Road

Caro, MI 48723

Most active in

Michigan · Texas

Work history

Cetera

2020 - Present (6 years)

Chemical Bank

2011 - Present (15 years)

Cetera Investment Services Llc

2011 - Present (15 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Matthew K

Series 63, Series 65, Series 66

Vassar, MI

Centaurus Financial, Inc.

Matthew Koch is a financial advisor at Centaurus Financial, Inc. with 38 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Centaurus Financial since 2001. Outside of his advisory role, Koch serves as a Tuscola County Commissioner and is involved with AFLAC providing cancer, hospitalization, and sickness policies. Centaurus Financial, Inc. offers advisory services through a network of independent representatives to individuals, families, businesses, and institutions. The firm provides financial planning, investment management, access to third-party money managers, and retirement-plan advisory services.

Income planning Social Security optimization College savings (529s, UTMA, etc.) Founder/Business Owner Retired
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Series 66

Caro, MI

OSAIC

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Annuities Founder/Business Owner Executive Retired

Monica C

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Caro, MI

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Wealth management Tax-loss harvesting Multi-generational wealth transfer Retired Founder/Business Owner Executive
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Andrew B

Series 63, Series 65

Caro, MI

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Andrew Booms is a financial advisor at Thrivent Investment Management with four years of industry experience. He holds Series 63 and Series 65 licenses. Prior to his current role, Booms worked in professional sports catering and communications. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering detailed written recommendations on a variety of financial planning topics without portfolio management or discretionary trading authority. The firm supports ongoing planning relationships and integrates planning with managed accounts under a consolidated billing option.

Business ownership considerations

Barry C

Series 66

Caro, MI

Edward Jones

Barry Cronin is a financial advisor at Edward Jones with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment solutions, supported by a large nationwide network of advisors and branch offices.

Retirement income strategy General retirement planning Charitable giving & philanthropy Multi-generational wealth transfer General estate planning guidance Retired Founder/Business Owner Executive
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William L

Series 66

Caro, MI

Ameriprise

William Lackowski is a financial advisor with Ameriprise who holds a Series 66 designation and has 17 years of industry experience. He has been with Ameriprise and its related entities since 2007. Outside of his advisory role, he owns and operates WJL Enterprises Inc., a business formed for cash flow and accounting purposes. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Retirement income strategy Income planning Social Security optimization Retirement withdrawal strategies Approaching retirement
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