Straight answers about your retirement — from someone on your side
PGW Financial Wealth Advisors was built on a simple belief: people deserve honest, independent guidance about their own money — without the pressure.
What makes working with Tim different
Truly independent
Tim is an independent insurance professional, not captive to any single company. He works with 30+ A-rated carriers, so recommendations are built around your goals — never a sales quota.
Education before any product
Every conversation starts with clarity, not a pitch. You'll understand what you already own and what your options are in plain English before any decision is ever discussed.
No-pressure, your-pace approach
Sometimes the best advice is to leave things exactly as they are — and Tim will say so. You decide if and when any next step makes sense for you.
Relationships, not transactions
Many of Tim's clients have worked with him for years. He's the person they call when life changes — long after the first meeting.
A focus on protecting principal
Tim specializes in helping people turn savings into dependable income while evaluating fixed and fixed-indexed annuity strategies where they fit. Contractual protections depend on the issuing insurer’s claims-paying ability; charges and withdrawals can reduce contract value.
Local to Tampa Bay
Based in Tampa Bay, Florida and serving Pinellas, Pasco & Hillsborough counties, Tim understands the retirees he works with because they're his neighbors.
Built on experience you can lean on
- 24+ years helping retirees with annuities and income planning
- Independent — works with 30+ A-rated insurance carriers
- Specializes in annuity reviews, inherited annuities & lifetime income
- Hundreds of Tampa Bay retirees guided toward clarity
Annuity guarantees are subject to the claims-paying ability of the issuing insurance company and are not FDIC insured.
See the difference for yourself
Schedule your complimentary Retirement Income Review — no cost, no obligation, no pressure.
Annuities are insurance contracts. Guarantees, including guaranteed lifetime income benefits where available, are subject to the claims-paying ability of the issuing insurance company. Product features, fees, withdrawal restrictions, and surrender charges vary by contract.