Timothy Walt
As well as being the founder of CVW Financial, LLC, my passion is my beautiful girls- my wife and two daughters- as well as spending time with our dog and hermit crabs. I understand how challenging and complex life can be because my family is in the thick of it.
I have built CVW Financial from the ground up because I wanted to be the kind of advisor that I, myself, would want, free of the pressures of sales and corporate quotas. Because of this, I have the ability to work with whom I choose, and spend the time necessary to give them what they need.
Before deciding to become a financial advisor and, ultimately, opening my own Registered Investment Advisor (RIA), I had already lead a rich and varied life. As a musician, a carpenter, a teacher, and now as a financial professional, I have always relied on my sensitivity to the needs of those with whom I work. Each piece of music or song is different, each child is unique, and this philosophy carries through perfectly into my company.
To help understand my philosophy, I would point two books that have influenced my life and business.
Have You Filled a Bucket Today
This comes from my teaching days, and as silly as it sounds, I’ve yet to come across anything that truly gets to the heart of what our interactions with others is all about.
In short, we all have an invisible bucket and when you are kind to a person, you fill their bucket, but that also fills your own. On the other hand, if you are not kind to a person, you empty their bucket, but also your own.
A Random Walk Down Wall Street: The Best Investment Guide That Money Can Buy
This book taught me that there are the cold hard facts of investing, and then there is the theatre of investing.
Trends come and go, but the facts never change.
What to expect
I help clients identify their specific financial goals and create comprehensive plans to effectively reach those objectives. By taking a personalized approach, I recognize that each client presents unique challenges and opportunities that must be considered in the planning process. My ultimate aim is for clients to feel confident, knowledgeable, and in complete control of their financial future and decisions.
Education:
Bachelor’s in History, UMass Amherst
Master’s in Education, UMass Boston
Certificate in Certified Financial Planning, Northwestern University
Tim has been certified for financial planning services in the United States by the Certified Financial Planner Board of Standards, Inc. ("CFP Board"). Therefore, the individual may be referred to as a CERTIFIED FINANCIAL PLANNER™ professional or a CFP® professional and may use these and CFP Board's other certification marks (the "CFP Board Certification Marks"). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net.
CFP® professionals have met CFP Board's high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements:
Education
Earn a bachelor's degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials.
Examination
Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual's ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.
Experience
Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.
Ethics
Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board's Code of Ethics and Standards of Conduct ("Code and Standards"), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:
Continuing Education
Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards.