Timm Financial Services
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About
Timm Financial Services is a state-registered investment adviser that provides fee-based, discretionary portfolio management and financial planning to individuals, trusts, estates, charitable organizations, corporations, and other business entities. In addition to investment advisory work, the firm offers standalone estate-planning services and its investment adviser representatives provide tax and accounting services and are licensed to sell insurance products for separate compensation.
The firm follows a tactical allocation approach intended to reduce risk and pursue enhanced performance, using fundamental, technical and cyclical analysis across a range of instruments (including mutual funds, individual securities, options and cash positions used as hedges). Portfolios are managed on a customized, discretionary basis with periodic reviews and the firm may recommend reallocations, sector-specific stock selections, or use of cash and options to address market movement and client objectives.
What sets Timm Financial apart from many supported peers is its ancillary tax, accounting and insurance activities: adviser representatives provide tax and accounting services for separate fees and are licensed insurance agents, a combination the firm discloses and manages through a Code of Ethics because it creates potential conflicts of interest. The firm also operates with a relatively small client base and does not position itself as serving high‑net‑worth individuals, a profile that differs from many advisors in its category.
Client services
Expertise
Fee options
Fixed fees for financial planning and estate planning services as stated above
Up to 1.50% per annum, negotiable depending on type, complexity, and size of account or client relationship
Insurance product commissions received by IARs separately; advisory fees not charged on insurance product assets
Fee-only: Fixed fees up to $10,000 for financial planning and consulting services, fixed fees up to $7,500 for estate planning services, both negotiable
Main office
2 Austin Ct.
Poughkeepsie NY 12603
Advisors at this office
2
Most active in
New York
Also doing business as
Timm Financial Services · Timm Financial Services Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Luke T
Series 65
Poughkeepsie, NY
Timm Financial Services
Luke Timm is a financial advisor at Timm Financial Services with one year of industry experience. He holds the Series 65 designation and previously worked as a Tradesman Program Manager. Timm Financial Services is a small, state-registered advisory firm that provides fee-based investment management and financial planning to individuals, trusts, estates, and other small entities. The firm combines portfolio management with in-house tax and accounting services and offers separate estate-planning engagements, managing accounts on a discretionary basis with a tactical allocation strategy.
Frederick T
Series 66
Poughkeepsie, NY
Timm Financial Services
Frederick Timm is a financial advisor with Timm Financial Services holding a Series 66 designation and eight years of industry experience. Prior to joining his current firm, he worked at Equitable Advisors, The Leaders Group, Allstate Insurance, and Signator Investors. He also owns and operates Fred Timm CPA, providing tax and accounting preparation services. Timm Financial Services is a small, state-registered advisory firm serving individuals, trusts, estates, and small entities with fee-based investment management and financial planning. The firm combines portfolio management with in-house tax, accounting, and estate planning services, employing a tactical allocation strategy that uses fundamental, technical, and cyclical analysis.
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