Broker Check
Hart Financial, LLC

Tim Hart
Financial Advisor 
The Cost of Procrastination It May Be Time for a Financial Checkup Events on Wall Street Perception vs. Reality


Professionally speaking, nothing is more important than the people we serve. Our commitment to our clients is this: our firm is going to care about you and be more personally devoted to helping you achieve your life and financial planning goals than anyone else who doesn't have your last name. The right advisor is the one you and your loved ones trust the most and have the most personal faith in. With a trusted advisor, you will make better decisions and enjoy the freedom to focus on the activities and relationships that are important to you.


People have unique perspectives, values and priorities that change over time. We help individuals and families define, clarify and prioritize what they want to accomplish. We believe money is a tool, a test and testimony. How we use it for the short period of time we have it can impact our children, grandchildren and society in general. When the use of our money is consistent with our values and priorities, it reduces financial worries, increases confidence and creates freedom to spend our time and energies on activities we enjoy.

Getting to know what is important to our clients helps us to provide integrated counsel that considers all of your life and financial goals. For example, most people understand that the foundation of a solid retirement income plan will consider inflation and the importance of an increasing lifestyle income during your retirement years.

Integrated planning not only protects your retirement income against inflation, but also considers other current and future goals such as spousal survivorship income, assisting children and grandchildren as opportunities arise, wealth transfer planning, charitable goals and protecting your assets against long term care expenses.

Helpful Content

Making Sense of U.S. Household Net Worth

Making Sense of U.S. Household Net Worth

A look inside the U.S. government's statistics on household net worth.

Certain Uncertainties in Retirement

Certain Uncertainties in Retirement

The uncertainties we face in retirement can erode our sense of confidence.

When Heirs are Imperfect

When Heirs are Imperfect

The money problems or bad lifestyle habits of adult children could lead to the squandering of any inheritance they receive.


Planning for Special Needs Children

Planning for a special-needs child can be complicated, confusing, and even overwhelming.

Directors and Officers Liability Insurance

Not only can D&O insurance provide financial protection, but it can help improve an organization’s decision-making.

Retiree Health Care Coverage Overseas

Retirees traveling abroad need to know that their health insurance travels with them.

Best Performing Asset Classes

Bonds may outperform stocks one year only to have stocks rebound the next.

Value vs. Growth Investing

Among stock-market investors there’s long been a debate between those who favor value and those who favor growth.

Split Annuity Strategy

Here's one strategy that combines two different annuities to generate income and rebuild principal.

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A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

What Is My Current Cash Flow?

Assess whether you are running “in the black” or “in the red” each month.

Home Mortgage Deduction

Use this calculator to assess the potential benefits of a home mortgage deduction.

Lifetime of Earnings

Estimate how much you have the potential to earn during your working years.

Comparing Investments

This calculator compares the net gain of a taxable investment versus a tax-favored one.

Long-Term-Care Needs

Determine your potential long-term care needs and how long your current assets might last.

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Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

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Jane Bond: Scaling the Ladder

Agent Jane Bond is on the case, uncovering the mystery of bond laddering.

How to Bake a Pie-R-A

Roth IRAs are tax advantaged in a different way from traditional IRAs.

Can Election Results Predict the Market?

How do the markets usually react to elections? Was the 2016 election any different?

The Cost of Procrastination

Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.

Perception vs. Reality

There’s an alarming difference between perception and reality for current and future retirees.

Where Is the Market Headed?

We all know the stock market can be unpredictable. We all want to know, “What’s next for the financial markets?”

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