Portfolio Reviews
Portfolio Reviews
Independent financial planning
One Financial Plan For All of Life
Independent, goals-based financial planning and investment management from a CERTIFIED FINANCIAL PLANNER™ professional and Chartered Investment Manager. You work with Tim directly.
Working with an independent advisor
One advisor, and no products to sell
Most people end up with an advisor by default. You opened an account at your branch, someone was assigned to you, and a few years later that person has moved on and you are explaining your situation from the beginning to somebody new.
You also do not know whether anyone has the full view of your situation, or whether the advice is shaped by what the firm is selling that quarter.
At Mill Creek, you work with Tim. He builds the plan, he manages the portfolio, and he is the one you call. The advice is independent, which means there are no in-house products to sell and no sales targets to meet.
Services
How Tim can help
All planning and portfolio management is delivered through a CFP®-level planning process and CIM®-level investment oversight.
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Financial Planning
Retirement, tax, estate, cash flow, and risk, covered together in one plan rather than one at a time. For families, professionals, and business owners who want their whole financial situation in one place.
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Investment Management
Long-term, evidence-based portfolio management, handled by a Chartered Investment Manager. For people who want the decisions made consistently, without watching the market themselves.
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Wealth Building
Setting the amount and the date for a goal, then building the savings and investment plan around it, whether that is retiring at a particular age, paying for your kids' education, or stepping back from a business you own.
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Portfolio Reviews and Second Opinions
Already have an advisor and not sure the plan still fits? A straightforward review of what you hold, what it costs you, and whether it still matches what you are trying to do.
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Ongoing Advice
The work that comes after the plan is in place: regular reviews, adjustments when your situation changes, and the same advisor each time, who already knows the history behind it.
Learn more about Ongoing Advice
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Meet Tim
Who you would be working with
Tim Ternosky is a CERTIFIED FINANCIAL PLANNER™ professional and Chartered Investment Manager. He runs Mill Creek Wealth Management as an independent practice, which means the plan comes first and clients keep the same advisor throughout.
Most of the people he works with want a plan built around their own goals, and someone who keeps it current as their situation changes.
“I help clients build long-term wealth through structured planning and evidence-based investment advice.”
Check Tim's registration on CIRO's AdvisorReport.
Read more about TimHow it works
Three steps to get started
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Book an introductory meeting
About 30 minutes, no cost and no obligation. You talk about where you are and what you want your money to do. Tim tells you plainly whether he can help.
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You get a plan
Tim builds the plan around your goals, covering retirement, tax, estate, cash flow, and risk. You see the full plan before anything is put in place.
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Tim manages it with you
He builds and manages the portfolio, and reviews the plan as your situation changes.
Serving Leamington, Kingsville, Wheatley and Tilbury
Photo: Chris Woodrich, CC BY-SA 4.0
Client testimonials
What clients say
Sample quotes shown. Client quotes to follow.
Insights
Articles on planning and investing
Notes on planning, markets, and the decisions that come up over time. Written for people who want to understand what is happening with their money.
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Portfolio Reviews
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Wealth Building
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Ongoing Advice
Book an introductory meeting
What happens in the first meeting
An introductory meeting takes about 30 minutes. You leave with a clear view of your current position, what a plan would look like, and whether working together makes sense. There is no cost and no obligation either way.