One advisor for the whole picture
Independent financial, insurance, investment, and tax-incentive advisory. We represent you — shopping 40+ carriers and institutions — and coordinate all four pillars into one plan. We'll tell you plainly when the simpler, cheaper option is the better one.
Tim Berry
Founder & Independent Advisor · Tim Berry Financial Services
I built Tim Berry Financial Services because I kept watching good families get worse outcomes than they deserved — not from bad luck, but from four different salespeople selling four disconnected products that quietly worked against each other. An investment gain wiped out by an avoidable tax. A mortgage taken on without the protection to survive a disability. An annuity bought for the brochure instead of the need.
As an independent advisor across insurance, finance, hard-asset investing, and tax-incentive planning, my only job is to make the pieces fit. I'm not tied to one carrier, one fund, or one lender — so I can shop the whole market and tell you plainly when the cheaper, simpler option is the better one. My help costs you nothing up front; I'm paid by the institutions you choose, and I'll always show you the trade-offs.
Whether you're protecting a young family's paycheck, structuring financing for a business, adding a tangible hedge to a portfolio, or trying to keep more of what you've built away from the tax you don't owe — I'd rather earn your trust with a straight answer than a sale.
- Independent — appointed across 40+ insurance carriers
- Licensed in life, health, disability & annuities
- Finance: residential & commercial lending
- Rare U.S. gold & silver coin specialist
- Tax-incentive planning, coordinated with your CPA
What working together looks like
typical 20-year, $500k term premium for a healthy 35-year-old
insurance, finance, investments & tax — one advisor
annual income — the coverage range most families actually need
not sales quotes — every estimate is framed honestly