Retirement Income Planning Designed to Help Your Money Last
Tim Hartle helps Tampa Bay retirees protect their savings from unnecessary market risk and turn them into steady, dependable income for life — with plain-English answers and zero pressure.
Get Your Complimentary Retirement Income Assessment
Personalized to your situation. No cost, no obligation.
Helping Florida Retirees Make Informed Retirement Decisions
Before You Replace or Surrender an Annuity, Watch This First.
A quick, plain-English introduction to how annuity reviews work and the questions worth asking — before you make any decisions.
What Keeps Retirees Up at Night?
After 24+ years, Tim has heard the same worries again and again. If any of these sound familiar, you're not alone — and there are ways to plan for each one.
Losing money in a downturn
A sharp market drop right before or early in retirement can permanently shrink the savings you're counting on to live.
Outliving your savings
People are living longer than ever. The fear of running out of money in your 80s or 90s is one of the most common worries we hear.
Inflation eroding your income
The cost of groceries, insurance, and everyday life keeps climbing. Income that felt comfortable today may not stretch as far in 15 years.
Healthcare & long-term care costs
An unexpected health event can drain savings quickly. Many retirees want a portion of their money protected and predictable, just in case.
Taxes on your retirement money
How and when you draw from IRAs, 401(k)s, and annuities affects your tax bill. Small missteps can cost more than they need to.
Being a burden on your family
You'd like to leave something behind — or at least not become a financial weight on your children as you get older.
How Strong Is Your Retirement Income Plan?
Run through these five questions. If you answer "no" or "I'm not sure" to even one of them, a complimentary review could bring real clarity — with no pressure to change a thing.
- 1Do you know exactly how much guaranteed monthly income you'll have in retirement?
- 2Could your savings survive a 20–30% market drop in your first few years of retirement?
- 3Do you have a plan designed to make your money last 25 years or more?
- 4Do you understand the fees, surrender terms, and guarantees on any annuity you already own?
- 5Is at least a portion of your retirement income protected from market risk?
Is a Retirement Income Review Right for You?
If any of these sound like you, a free review with Tim could bring real clarity — with no pressure to change a thing.
Within 10 years of retirement
You're entering the retirement red zone and want to protect what you've built before you start drawing income.
Worried about market losses
You'd like a portion of your savings shielded from the next downturn, with guaranteed growth you can count on.
Afraid of outliving your money
You want dependable lifetime income — a paycheck that keeps coming no matter how long you live.
You inherited an annuity
You're unsure what you have or what the IRS rules are, and you'd like clear answers before any deadline passes.
Your broker disappeared
The person who sold you your policy is gone. You want a local professional who will actually answer the phone.
Haven't reviewed in years
Your policy has sat untouched. You want to know whether it still fits your retirement — or whether better options exist.
Tim Hartle — A Straight-Talking Local You Can Trust
For more than two decades, Tim has helped Tampa Bay families make sense of their retirement savings. As an independent insurance professional, he isn't tied to any one company — which means his only job is helping you understand your options and make the decision that's right for you.
His approach is simple: listen first, explain everything in plain English, and never pressure anyone. Most people who call just want an honest second opinion — and that's exactly what they get.
Why Clients Choose PGW Financial
Independent & Unbiased
Tim isn't captive to any one carrier. He compares options across 30+ insurance companies to find what genuinely fits you.
No-Pressure Promise
Most people who call aren't looking to buy anything. If your current plan is fine, Tim will tell you so — honestly.
Plain-English Answers
No jargon, no confusing fine print. Tim explains exactly what you own and what your choices are, in language that makes sense.
Local & Accessible
Based in Tampa Bay and serving Pinellas, Pasco & Hillsborough counties. A real person you can reach when you have questions.
Independent, Local, and On Your Side
What you can count on when you work with Tim Hartle and PGW Financial Wealth Advisors.
Independent insurance professional
Not captive to any single company — your options are compared across 30+ carriers.
24+ years of experience
More than two decades helping Tampa Bay families plan for retirement income.
Florida-based & local
Serving Tampa Bay, Florida and the surrounding Pinellas, Pasco & Hillsborough counties.
Personalized planning
Every recommendation is built around your goals, timeline, and comfort with risk.
Complimentary initial consultation
Your first conversation is free, with no cost and no obligation to move forward.
Schedule Your Complimentary Retirement Review
Pick a time that suits you, or call Tim directly. Reviews take about 30–45 minutes and can be done by phone, video, or in person.
- Independent & objective guidance
- 30–45 minutes, at your convenience
- No cost, no obligation, no pressure
Frequently Asked Questions
Is the initial consultation really complimentary?
Yes. Your first conversation with Tim is free, with no cost and no obligation. It's an educational, no-pressure review to help you understand your retirement income options.
Is Tim a financial advisor or fiduciary?
Yes. Tim Hartle owns PGW Financial LLC, a registered investment adviser, and acts as a fiduciary when providing investment advice. Separately, he is a licensed independent insurance agent — when he recommends or places an annuity, he acts in that insurance capacity and may receive a commission from the insurance company. He is always clear about which role applies to your situation.
Are annuities guaranteed and FDIC insured?
No. Annuities are not bank deposits and are not FDIC insured. Fixed and fixed-indexed annuities guarantee principal and a minimum interest rate, subject to the claims-paying ability of the issuing insurance company. Guarantees are not backed by the federal government.
Will I be pressured to buy anything?
No. Most people who call simply want an honest second opinion. If your current plan already fits your goals, Tim will tell you so. You decide if and when any next step makes sense for you.
What areas do you serve?
Tim works with retirees throughout Tampa Bay, Florida, including Tampa, St. Petersburg, Clearwater, Palm Harbor, Wesley Chapel, Trinity, New Port Richey, and Odessa. Reviews can be done by phone, video, or in person.
Proudly Serving Retirees Across Tampa Bay
Tim Hartle works with retirees throughout Pinellas, Pasco & Hillsborough counties — in person, by phone, or by video.
Take the First Step Toward Income You Can Count On.
Request your complimentary assessment or schedule a no-pressure review. Either way, you'll get straight answers and zero obligation.
Prefer to talk now? Call (727) 692-5866.