Tim Bonner

Tim Bonner is a Senior Financial Advisor with Totus Wealth Management who works primarily with business owners, corporate executives, and successful families in North Atlanta who are building significant wealth, approaching retirement, or navigating major financial transitions.

Tim helps clients bring the different pieces of their financial lives together — including investment management, retirement planning, retirement income, tax considerations, risk management, and wealth planning — so they can make informed decisions about their financial future.

Retirement Planning and Retirement Income
One of the most important questions people face as they approach retirement is: "Am I going to be okay when I retire?" Answering that question requires more than looking at an investment account balance. Tim works with clients to evaluate their complete financial picture, including investments, retirement accounts, income needs, taxes, insurance, Social Security, and other sources of wealth.

For clients within 10 to 15 years of retirement, Tim places particular emphasis on preparing for the transition from accumulating wealth to using that wealth to support their lifestyle — including developing a retirement income strategy and evaluating the sustainability of their portfolio.

Financial Planning for Business Owners
For many business owners, their business represents one of the largest components of their overall wealth. As a business owner approaches a transition, sale, or retirement, business decisions and personal financial planning become increasingly interconnected. Tim works with business owners to help coordinate these considerations and prepare for the financial transition that comes with moving beyond their business.

Financial Planning for Corporate Executives
Corporate executives often have financial circumstances that require a coordinated approach — including salary, bonuses, retirement accounts, company stock, equity compensation, and deferred compensation. Tim helps clients evaluate how these different sources of wealth can work together as part of an overall financial plan as they approach retirement.

Tax-Aware Financial Planning
Taxes can have a meaningful impact on the amount of wealth a family ultimately gets to keep and use. Tim incorporates tax considerations into broader financial planning and works with clients' CPAs when appropriate — evaluating retirement income timing, investment decisions, Roth conversion opportunities, capital gains, and other decisions that may have tax implications.

Investment and Wealth Management
Tim believes investment decisions should be made in the context of the client's broader financial objectives. He works with clients to develop investment strategies based on their goals, time horizon, risk considerations, and income needs — with particular attention to how a portfolio can transition from accumulation to supporting ongoing retirement income.

A Comprehensive, Personal Approach
Tim believes good financial planning starts with listening. His process begins by understanding what is important to the client, then using financial analysis to evaluate potential strategies and tradeoffs. He takes pride in educating clients throughout the planning process — not only what is being recommended, but why and how it fits into their overall plan.

His goal is simple: to help clients make confident financial decisions today that support the life they want to live tomorrow.

About Tim
Tim and his wife, Breanne, live in Woodstock, Georgia, with their three young children. They enjoy supporting their kids in football, baseball, cheer, and dance, as well as being involved in their church and local community. Tim also has two older children he is proud to have seen graduate from college and begin their own financial journeys — an experience that has given him a deep appreciation for the different financial questions families face at different stages of life. Tim graduated from Valdosta State University with a background in Finance and Accounting.

EXPLORE MORE
Learn more about Tim’s planning approach and the resources available through Totus.

Interested in learning more? CONTACT TIM BONNER