Hi, I'm Tim Hartle.
For more than 24 years, I've helped retirees across Tampa Bay make sense of their annuities and retirement income. I started PGW Financial Wealth Advisors on a simple belief: people deserve straight answers about their own money.
Too many folks are handed a complicated policy, lose touch with the person who sold it, and are left guessing. I'm here to change that — one honest conversation at a time.
Why I do this work
Retirement isn't a spreadsheet — it's the freedom to live the life you worked decades to earn. My job is to remove the confusion and fear that too often surround money decisions at this stage of life.
I own PGW Financial LLC, a registered investment adviser, where I act as a fiduciary when giving investment advice. And as a licensed independent insurance agent, I'm not tied to any single company. That independence means I can compare options across the market and recommend what genuinely fits you — and tell you honestly when nothing needs to change at all.
Most of all, I believe in relationships over transactions. The people I work with aren't accounts; they're neighbors. I want to be the person you can call for years to come, whenever life shifts and your plan needs a second look.
"If your plan is already working, I'll be the first to tell you. Trust is worth more than any single sale."
How I Work With You
Honesty First
If your current plan is working, Tim will tell you. He'd rather earn your trust than make a quick sale.
Independent Guidance
Working with 30+ carriers, Tim recommends what fits you — not what one company needs to move.
Plain English, Always
No jargon, no pressure. Tim explains every detail until it actually makes sense to you.
Relationships, Not Transactions
Many of Tim's clients have worked with him for years. He's the person they call when life changes.
Background & Credentials
- 24+ years helping retirees with annuities and income planning
- Independent — not captive to any single insurance company
- Licensed insurance professional serving Florida retirees
- Specializes in annuity reviews, inherited annuities & lifetime income
- Works with 30+ A-rated insurance carriers
- Based in Tampa Bay, serving Pinellas, Pasco & Hillsborough counties
Get to know PGW
Let's Have an Honest Conversation
No pressure, no jargon — just straight answers about your retirement. Call me directly or request a free review.