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PGW Financial · Tampa Bay

Build your calm
in retirement.

Personal retirement planning and 401(k) advice for Tampa Bay families and employers, directly with Tim Hartle.

Request a Conversation 401(k) Plans for Employers
Call Tim: (727) 692-5866Email Tim

Six filmed scenes · Licensed footage via Pexels · illustrative, not PGW staff or clients; no endorsement implied

Start where you are

What matters most right now?

Choose a priority to see where Tim usually begins.

Or begin with a question people often bring5 questions
  1. 01Will what we have saved be enough?
  2. 02When should I claim Social Security?
  3. 03What do I do with an old workplace plan?
  4. 04How much market risk is still sensible?
  5. 05Is an annuity right for us, or not at all?

How will our savings turn into a paycheck?

Retirement income is usually several sources working together. A useful first conversation separates what you must spend from what you would like to spend, then looks at which sources might reasonably cover each.

Worth thinking about

  • Essential versus flexible spending
  • Order and timing of withdrawals
  • How inflation and longevity change the picture

Read next

Planning overviewRetirement income planning overview PGW guideRetirement Income Sources Explained PGW guideRetirement Withdrawal Strategies

General education only. Not personalized advice, and no outcome is projected.

Tim Hartle of PGW Financial
Tim HartlePersonal retirement and employer-plan conversations

The person across the table

One conversation, with Tim Hartle.

PGW is a personal practice built around conversations with Tim: listening first, asking careful questions and explaining options in plain language.

Investment advisory
Strategy, risk and costs, tied to your time horizon.
Financial planning
Income, Social Security, withdrawals and legacy, connected.
Meet Tim Explore retirement guidance

Who Tim works with

  • Approaching retirementDeciding when to step away and what income will replace a paycheck.
  • Already retiredLiving on savings and wanting withdrawals, Social Security and spending to stay coordinated.
  • Couples and familiesWeighing decisions together, including what may pass to the next generation.

Also at PGW · for business owners

A workplace plan your team understands.

Plan reviews, fee benchmarking, ERISA Section 3(21) fiduciary investment advice and employee education for small businesses, under a separate written engagement. The plan sponsor or other authorized plan fiduciaries retain investment decisions.

  • Plan reviews and fee benchmarking
  • Documented fiduciary process support
  • Employee education, in plain language
Explore 401(k) consulting

Three ways to begin

Start with a question.
Tim will take it from there.

  1. i.

    At your kitchen table

    What comes in. What life costs.

    A private retirement budget and income planner, with free PDF and editable Excel downloads. No email required.

    Build your retirement budget
  2. ii.

    Prefer to listen first?

    Workshops

    Thursday, November 5, 2026 · 6–7 PM Eastern
    Starkey Ranch Theatre and Library

    Workshop details & seat inquiries →

    Email or call Tim to inquire. This website does not reserve seats.

    All workshops
  3. iii.

    Across the table

    A first conversation with Tim

    Unhurried, and about what is on your mind. No documents are needed to begin.

    Start Your Retirement Conversation

    Email or call Tim to request a conversation. An inquiry does not confirm an appointment.