Philosophy
At Spear Financial Inc., we believe that one size doesn't fit all because you and your situation are distinct. We ask questions to help better understand your goals and aspirations, take the time to listen, and help you to plan for a more successful future. At the end of the day, we specialize in retirement income planning, estate and legacy strategies, and small business financial strategies.

Services Offered
We specialize in retirement income planning, estate and legacy strategies, and small business financial strategies.
Read More...

Client Journey
Learn about the process we will go through to help reach your financial goals from beginning to end.
Read More...

Our Firm
Tim's goals are simple...to provide sound, financial advice, focusing and identifying risks that if left unchecked, could ruin even the best made plans.
Read More...
Is your financial house in order?
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of a catastrophe or serious illness, disability or death, having your documents organized together will immediately provide vital, timely information to both your family and professional advisors.
Ask yourself these questions:
- Am I confident my retirement income planning strategy for the future will work?
- If something were to happen to me tomorrow, is my family taken care of with life insurance?
- Do I have a will in place to avoid conflict? How do I address estate and legacy planning?
- Do my spouse/children know where my important papers and policies are?
- Could my spouse handle our retirement strategy tomorrow, if I were no longer around?
- What are my options for Social Security?
If your answer is “no” to any of these questions, then your financial house may not be in order. Contact us today and let us help.
Newsletters
-
Consider a Roth Conversion for Tax-Free Income
Lower tax rates and asset values may make now the time to consider a Roth conversion. This article outlines the rules and potential benefits.
-
Don’t Let a Disaster Keep the Lights Off Forever
As a small-business owner, do you know the types of coverages that may or may not be included in a standard business owner policy?
-
Four Steps to Rebuilding Your Business
Small-business owners may need to think on their feet and visualize what a recovery might look like for their operations post COVID-19.
Calculators
-
Life Insurance
How much life insurance would you need to produce a sufficient income stream for your family?
-
Life Expectancy
Knowing your likely life expectancy is an important factor in making long-term financial plans.
-
LTCI Cost of Waiting
Estimate the potential cost of waiting to purchase a long-term care insurance policy.