About My Practice
Tim Estes, a Fort Worth-based financial planner with CFP and ChFEBC designations, is ready to help the retiring federal worker. The distinct certification of Chartered Federal Employee Benefits Consultant (ChFEBC) was earned by undergoing an intensive training course specifically geared towards the needs of the federal employee: Retirement Pensions (including those for air traffic controllers, reservists, firefighters, law enforcement personnel), federal life insurance, federal long-term care and more. As a ChFEBC, Tim is an expert in Federal Benefits and how to maximize them effectively.
Tim understands the relationship of between federal benefits and civilian ones, such as a 401k equivalent to the Thrift Savings Plan, or Group Life to FEGLI. This is important when coordinating benefits of a federal retiree with a retiring non-fed spouse, for example. Tim can tell a client 1) if he or she can retire, 2) when retirement can realistically take place, and 3) what financial requirements need to be in place for retirement to happen. His advanced software provides a retirement assessment, allowing clients to know within pennies how much they will receive in retirement, depending on when they retire, based on their federal pension, years of service and pay grade.
Tim served his country proudly with over 21 years of Naval Service, both on active duty and in the reserves. He retired from service as a Commander in 1999. He is a life-long member of the Episcopal Church. Tim lives in the Dallas/Fort Worth area with his wife Julie.
Estes Financial Services Inc. is a Registered Investment Advisor firm serving clients' retirement planning and wealth management needs. Estes Financial offers fee-based investment advisory services for client accounts, including individuals, company retirement plans and trusts. Not only does Estes Financial provide its clients with an investment program based on Nobel Prize winning economics using a broadly diversified asset allocation approach but also works with you to develop an individualized asset allocation strategy that balances your return objectives with your tolerance for investment risk. Tim and Estes Financial Services do not associate themselves with the big Wall Street firms, but instead take a very educational approach to helping clients with monthly workshops and individual coaching throughout the Dallas and Fort Worth areas.
Offering Advice Since
Areas of Specialty
Comprehensive financial planning
Investment planning and asset management
Long-term and elder care
Licenses, Certifications, Education, and Affiliations
Designations: CFP®, AIF, CRPC, ChFEBC
Insurance Licenses: Life and annuity
Security Licenses: Series 7, 24, 63, 65
Education: BA Political Science, Texas A&M
Investment Advisor Registration: Texas, Colorado, California, Georgia, Florida
Associations & Affiliations: Financial Planning Association (FPA)
Charges to Clients for Services
Fee for financial planning (initial, hourly, and/or retainer)
Fee based on percentage of assets managed
Commissions on insurance products purchased
Trail feed on mutual funds or insurance policies
Commissions and/or loads for investment products purchased
My Association with the Office or Firm