Welcome to the website of Timothy Allan Ferris, Investment Advisor Representative, H. Beck, Inc.

. . . improving the quality of our clients' lives, convening the dialogue that it's not just about money . . .

Welcome to my website, Evolutionary Wealth, where you’ll find a constantly evolving wealth of information in the form of newsletter articles, calculators, and research reports. Nothing is static; the world of finance is changing more quickly than ever these past few years. I'm Tim Ferris, an independent and registered financial professional, an investment advisor representative working under the corporate registered investment advisor H. Beck, Inc., which itself is an independent broker-dealer.

As you can see, I like to stress the fact that we're intentionally, purposefully, and proudly independent. I think this factor makes a huge difference when it comes to my ability to deliver sound, balanced financial advice and planning as a member of an emerging learned profession.

I hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. My support staff, my thinktank, and I  have created this website to help you gain a better understanding of the basic financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most important, I hope you will see the value of working with an independent professional to pursue your life's purpose and your financial goals.

This site is here to help educate you about the basic concepts of financial management; to help you learn more about who we all are; and to give you fast, easy access to market performance data. I hope you take advantage of this resource and visit often; I hope your visits are interesting and rewarding. Be sure to add this site to your list of "favorites" in your Internet browser. I plan to update information frequently, and I wouldn’t want you to miss any developments in the area of personal finance. It is, after all, an evolutionary thing, a good thing.
Calculators

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Capital Gains Taxes

Estimate short-term and long-term federal capital gains taxes

More Calculators →

Newsletters

Averaging Ups and Downs

Stock market volatility was the norm in 2011, and that can be hard on an investor’s nerves. Utilizing a dollar-cost averaging strategy may help even out your portfolio’s ups and downs, as explained in this article.

Protection from a Range of Liability Claims

It's projected that American companies will face $183 billion in tort costs in 2011, and $152 billion of that will land on the books of small businesses. Fortunately, there are several forms of business liability insurance that can help offset these unforeseen costs.

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

HOT TOPIC: Could High Oil and Gas Prices Derail the Recovery?

Gas prices began the year higher than normal and increased sharply. The forecast is for prices to rise to record highs by summer. But it’s not just drivers who are feeling pain at the pump. This article will explain some possible reasons why gas prices have been rising and discuss the potential implications for consumers, businesses, and the broader U.S. economy.

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