What types of strategies do you help clients with?

Building personalized portfolios that incorporate risk tolerance and behavioral finance principles while factoring in market fluctuations.

I was inspired by Savvy’s dedication to client-centric technology that improves the client experience, especially giving clients the ability to view their financial lives in one place.

Tim J Dern, RICP®, NSSA

Q: How did you become a financial advisor?

I’ve always had a passion for people and a strong interest in math. Combining both led me to become a financial advisor, where I could help people achieve their goals through unbiased advice and guidance.

Q: Is there a unique approach that sets you apart?

My guidance is centered around a deep understanding of behavioral finance. It helps clients see why they want to make a specific decision and the outcomes they should consider.

Q: What types of clients do you work with?

High-net-worth individuals and families, business owners, pre-retirees, retirees, and non-profit organizations.

Q: What is your favorite part about working with clients?

The relationships I have with the families I serve. Guiding clients through complex situations, the planning process, and ultimately seeing them fulfill their goals is most rewarding.

Q: What areas of expertise do you have?

Retirement income planning, investment management, behavioral finance, financial planning, risk management, and tax optimization.

Hi, I’m Tim. I’m a wealth advisor based in Schaumburg, Illinois and part of Mana Financial, where we help people approaching retirement organize the many moving pieces that come with this stage of life.

My work focuses on retirement planning, income planning, Social Security, Medicare, investment management, alternative investing, and wealth transfer. I use an educational approach to help clients understand their options and build a retirement income plan designed around their goals, lifestyle, and needs.

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Schaumburg, Illinois

How TIM works with clients

I help clients simplify the retirement transition so they can better understand their income, Social Security, Medicare, and investment options.

Meet with Tim

Our Team

Mana Financial is focused on helping individuals and families navigate retirement with greater clarity around income, taxes, Social Security, Medicare, and long-term financial planning. Tim and Bryan Dern work together to provide an educational and relationship-focused experience, helping clients better understand the financial decisions that come with retirement. Their approach combines retirement income planning, investment management, and ongoing guidance tailored to each client’s goals and lifestyle.

How can I help?

Retirement Planning

DREAMS INTO ACTIONABLE PLANS

Transition into your golden years with confidence. Our goal is to see to it that you’re prepared for the unpredictable. Let us turn your retirement dreams into actionable plans.

Circles showing the effects of financial planning

Income Planning

UNDERSTAND YOUR INCOME STREAMS

Understand your income with an annual plan showing where cash flow is generated, and why. This weaves together Restricted Stock Units (RSU) flows, stock option exercises, long-term capital gains, Roth Conversions, etc.

Investment Management

STRATEGIC, DATA-DRIVEN INVESTING TO TARGET AMBITIOUS RESULTS

End-to-end investment management focused on tailoring portfolios to each client’s specific circumstances and preferences. Our holistic approach will take into consideration all facets of your situation along with current economic data to optimize your portfolio's risk and return.

Alternatives Investing

DIVERSIFICATION AND INNOVATION IN PORTFOLIOS

We actively research alternative investment opportunities and monitor your portfolio investment holdings, bringing together actionable insights and forward-thinking risk assessments.

Get to know Tim

Tim Dern is a wealth advisor with 10 years of experience helping clients navigate retirement planning, income planning, Social Security, Medicare, wealth management, and wealth transfer.

Before becoming a financial advisor, Tim graduated from Indiana University and began his career as a high school teacher. He later owned several businesses and served as Chief Marketing Officer for a $700 million international company. That background helps him relate to entrepreneurs, corporate professionals, and working families as they prepare for retirement.

Tim has been married to his wife, Helen, for more than 40 years. Together, they have three children, Bryan, Natalie, and Kyle, along with eight grandchildren. Family is an important part of Tim’s life and shapes the care he brings to client relationships.

Connect with Tim:

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How did you become a financial advisor?

Finance and investing once felt confusing to me, and I wanted to understand them for myself. A friend introduced me to the industry, and as I learned more, I realized I wanted to help others make sense of these topics too.

Is there a unique approach that sets you apart?

I often use a bucket approach to investing, where different buckets are designed for income, growth, or protection. This can help clients better understand the purpose of each part of their financial plan.

What types of clients do you work with?

I mostly work with people who are within four or five years of retirement or already retired.

What is your favorite part about working with clients?

I truly enjoy helping people. Retirement can feel complicated, and I like helping clients simplify those decisions so they feel more informed and organized.

What areas of expertise do you have?

I focus on Social Security, Medicare, retirement income, wealth management, and wealth transfer.

Why types of strategies do you help clients with?

I help clients with the decisions that come with moving into retirement, including Social Security, Medicare options, retirement account rollovers, wealth management, and building a retirement income plan.

Working with Savvy

I’m looking forward to the support Savvy provides, especially tools and resources that help me spend more time working directly with clients.

CONNECT WITH TIM

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