Broker Check
Tim Geary, RFC®

Tim Geary, RFC®

Owner & Financial Advisor

One day after church over 35 years ago, a friend asked me if I had life insurance. “Of course,” I replied.  I’m a responsible family man!  But his next question caught me off guard: “Is it the good kind or the bad kind?”

At that time in my life, I was a professional racquetball player, raising a young family.

I had no idea that my life insurance was the “bad kind.” As in, it was way too expensive and would replace my income for only one year if I passed away. Meaning, within 12 months, my family would be out of money, forced into survival mode – living a life I would not want for them.

That fateful encounter was all it took. I was thirsty for knowledge, and eager to share all of the financial wisdom I was drinking in.

My motivation today is the same as it was 35 years ago: To teach everyday people how to manage their money so they can enjoy life now and in the future.


Whether you've been saving for years and want to create an income stream that can last a lifetime, or are just starting out, get in touch – I'd be happy to have a conversation with you.


My investment philosophy in action:

Tomorrow you’ll wish you had started today.


Owner & Financial Advisor, Hawaii Financial Advisors, Inc.

Serving individuals, families, and business owners in Hawaii for over 35 years.


M.S., University of Hawaii, Manoa (Go Warriors!)

B.S., University of Wisconsin, Milwaukee


Registered Financial Consultant (RFC®)

Series 6, 7, 24, 26, 53, 63, and 65 securities registrations

Life & Health insurance license

Notary Public

Featured in Forbes Magazine on the importance of creating retirement income streams that can last a lifetime, regardless of market volatility.

Five rules I live by:

  1. Treat others as you want to be treated.
  2. Listen carefully to what people have to say before talking.
  3. Show up to work every day, with a good attitude.
  4. Do what’s most important first.
  5. Truly enjoy family time.

Ready to take the next step?

How we handle our money influences every aspect of our lives. And yet, we somehow find a way to put it off. As Mark Twain said: The secret of getting ahead is getting started.  So, pick up the phone and give me a call!


Neither Cetera Advisor Networks LLC nor any of its affiliates may give legal advice. For a comprehensive review of your personal situation, always consult your legal advisor.  Notary services are not endorsed or warrantied by the firm.