Tim Johnson | ChFC, CLU
Investment Advisor Representative
Tim was introduced to the financial industry at a young age, crediting his father, who was a financial and insurance advisor for over half a century. Tim's father started their firm in 1949. Tim, Jr. his son, is a Certified Financial Planner. So, three generations of his family helping clients with their financial and insurance planning needs.
Tim is a Chartered Financial Consultant and a no-market risk retirement income specialist. He serves many such clients throughout southeastern North Carolina and his success stems from providing high-quality personalized service placing client's needs above all else. As a retirement and income specialist, his focus is on helping couples and individuals that are in or nearing retirement with the implementation of financial plans for income. Tim says, "the emphasis is on income, because in retirement you don't live on assets, you live on income."
One of the most important decisions you make in life occurs at the point in time you declare your retirement and replace your regular, steady income with income from your investment accounts to support your "Golden Years." Sometimes the folks I work with think they have a retirement plan since they have an investment portfolio. It's at this point, Tim says, "he is most helpful to his clients." His financial guidance shifts from asset accumulation to preserving and distributing his client's assets. He prepares a financial plan that turns accumulated dollars into a predictable reliable income plan, one that gives his clients peace of mind knowing that they will never run out of money.
Tim's retirement income planning process creates "buckets" of investments appropriate to the time frame in which the income need is anticipated. He earmarks accounts for income and earmarks accounts for growth. His plans, ensures that the money a retiree needs in the near term is safe and predictable, and not subject to the day-to-day market fluctuations, while at the same time positioning some of the assets to receive long-term market returns required to provide an increasing income stream throughout one's entire lifetime.
Tim says, "You don't have to swing for the fence with investment risk to achieve financial independence. "Tim Johnson & Associates," Tim's company offers safe money alternatives to the stock and bond markets.
Wherever you might be in your business and financial life, Tim Johnson & Associates has strategies to help you work toward a secure financial future.
What We Do For Clients
Retirement doesn’t mean that it’s time to stop growing. Same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.
We specialize in helping retirees protect their retirement assets while continuing to move forward.
Family Legacy Planning
Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!
Ask Tim about his, "Family Legacy - Generational Wealth Guide." It explains how to create the greatest amount of wealth with the least amount of money, for your children and grandchildren.
Extended Care Solutions
Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.
The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t.
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.
We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. Let us get to work on a plan for you.
Get a Free, Instant Quote. Companies are lowering their rates and many no longer require a medical exam. Compare quotes for free to see how much you could save." The No-exam options are available to most individuals in good health up to age 60. Eligibility is not guaranteed and is up to each insurance company's discretion. Please contact us with any questions.
When it comes to getting safer with your retirement, sometimes the first step is the hardest. We want to make it easy for you and take away the anxiety and uncertainty that often comes with working with someone new.
Now you can read all about Tim’s safe money strategies and how he’s helped hundreds of retirees just like you.
Did you know that Warren Buffet’s number one rule to investing is never lose money? He also has a second rule…
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