Tim brings a rare blend of trading experience, entrepreneurial spirit, and genuine commitment to helping clients reach their financial goals. After nearly a decade as a commodities trader—honing his skills in risk management and analytical decision making—Tim transitioned to financial advising to build a business centered on people, not markets.

For more than 20 years, Josh Selzer has helped clients bring clarity and discipline to their financial lives. With a background in investment management, tax planning, and estate strategies, he creates evidence based plans intended to help clients pursue their long term goals. Josh works closely with individuals, families, business owners, and institutions, serving as an educator and guide as they work toward financial independence—sometimes even making work optional.