Tim Klein

IFW Financial Professional Tim Klein IFW Financial Professional Tim Klein
  • Bay Harbor Financial Group
  • Michigan

Bay Harbor Financial Group LLC or BHFG, is a Michigan firm that specializes in working with folks that are retired or nearing retirement to help them preserve their retirement assets so they never run out of money.  AARP did a survey and the #1 retirement concern was “outliving their savings.”  Most of the folks we meet with aren’t sure how much retirement income they will need or whether they are on track to meet those needs.  I founded BHFG with the philosophy that I always place the needs and interest of my clients first.

My goal is to take the confusion and mystery out of the investment rollercoaster and to give financial peace of mind so that folks can sleep at night knowing that they have specific guarantees with their money.  I work with my clients to receive more income, pay less tax, protect against long term care and leave more money to their spouses, children, grandchildren and other beneficiaries

I established Bay Harbor Financial Group LLC in 2001.

I have authored a book titled “Remarkable Retirement”

I am a contributor of the book “Retirement & Income” Keeping Your Nest Egg Safe From Losses, Fees and Inflation.

I have been on the front cover of “Unity Magazine” with and attached article.

I have had the privilege to host 2 radio shows called “Retirement & Income Radio”

I have helped an unlimited number of clients achieve financial freedom.

I have used the same system personally and within my family.

When I’m not helping folks plan their retirement, I love spending time with my wife Jenny, my four children and eight grandchildren.  I love to go to the beach, hunting, watching movies and college football.  Last but not least, I thank God every morning for each and every day.


  • Retirement Income Specialist
  • Life, Accident & Health Licensed
  • Annuity & Long Term Care Licensed


  • Retirement Income Planning
  • Asset Maximization
  • Wealth Protection
  • Annuity Specialist

Tim Klein

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