Wallender, Timothy Joseph

The firm provides investment advisory and financial planning services primarily to individual clients, including portfolio management, retirement planning and occasional advice on stocks, bonds, ETFs, annuities, life insurance and income‑tax matters. Fees are charged as a percentage of assets under management and implementation typically emphasizes no‑load mutual funds, with Charles Schwab Institutional designated as the required custodian.

Investment portfolios are constructed using Modern Portfolio Theory with a long‑term buy‑and‑hold orientation and are tailored to each client’s risk tolerance; the adviser uses both fundamental and technical analysis to select and monitor holdings. The adviser operates with discretionary authority to manage and rebalance accounts and provides written quarterly reports and an annual review process, while offering a complimentary retirement plan to prospective clients and annual plan updates for existing clients.

The firm oversees roughly $137 million in discretionary assets for about 289 clients—an unusually high client load per adviser for its peer group—which corresponds with a streamlined, mutual‑fund centric approach and heavy reliance on Schwab’s institutional platform for execution, custody and reporting. The adviser also discloses outside business activities (an aerospace consulting business and a California real‑estate license) that occupy a portion of his time and may present potential conflicts when clients use his real‑estate services.