Tim has been helping retirees reach their goals for over 20 years. He's thoroughly familiar with the issues that affect seniors during retirement. With quality service and honest, experienced advice, he helps them meet those issues head on, and plan for lasting financial independence. He can do the same for you.

Away from the office, Tim Sharer volunteers his time helping high school and college students make the transition from adolescence to adulthood. He challenges them to search within themselves, to ask the crucial questions:
“What kind of life do you want to lead? What are the things that matter most to you?”
He asks his clients the same questions. After all, a successful retirement investment strategy is about more than money. It’s about using your assets to achieve your personal goals.

Tim enjoys mentoring young adults in the community encouraging them to seek greater meaning in their lives.

Tim and his wife Debbie are proud parents of their two daughters, Jessica and Katelyn, and proud grandparents of their four grandchildren, Beckham, Caden, Kambrey, and Collin.

Thomas specializes in wealth management and financial planning with an emphasis in retirement distribution and tax planning.  Having started his career as a FINRA registered rep and life insurance agent, Thomas dropped his FINRA registrations and kept his series 65 registered Investment Advisor Representative status to transition his practice into a fee based fiduciary model.  Not only is Thomas a CFF, he is also “Ethics Approved” by the IARFC and is one of only a handful of financial advisors in Texas to receive the coveted “Best Financial Advisor” by the National Association of Senior Advocates.

Thomas utilizes a “top-down” approach to planning that not only evaluates risk tolerance, but also closely examines goals, passions, and pitfalls to prepare for and hedge against the things that can derail a retirement plan. With asset protection, long-term care needs, Medicaid planning, and estate preservation strategies Thomas is known as more than a builder of nest eggs, his clients also consider him the weaver of safety nets.  Thomas and his wife live in Pecan Plantation Southwest of Fort Worth, TX and they enjoy spending their spare time teaching STEM education to underserved youth and competing in combat robotics competitions.

David Hyden, having worked with hundreds of clients since his start in the financial services industry in 1986, has seen firsthand how the vast majority of Americans lack financial literacy and Retirement Planning skills, especially with regard to the Distribution Phase of retirement.

As more and more companies have moved away from offering Defined Benefit Retirement Plans (Pensions) and replaced with Defined Contribution Retirement Plans (401k’s) this has shifted the burden of informed financial decision making from the employer and Plan Manager to those least qualified to make those decisions, the employee.

Accumulation of assets over a lifetime is complicated. Even more complex is Decumulation, or the Distribution of those assets. In the Distribution Phase one must consider many factors, including Longevity, Taxes, Social Security, Market Risk, Inflation, Survivorship and the rising cost of Healthcare and Long-Term Care.

These are the areas where David has focused his expertise, education, and credentials. In addition to extensive training and study he currently holds Certified Financial Fiduciary® (CFF®) and National Social Security Adviser® (NSSA®) designations and is an Authorized College Funding Adviser.

He brings a passion for helping people identify, achieve and protect their retirement lifestyle dreams. As a CFF® professional, David has completed extensive training and experience requirements and is held to the highest moral, ethical and professional standards in the financial services industry. He understands the complexities of the changing financial climate and will always make recommendations that are in his client’s best interests.

David has lived in the McKinney area since 1996. He is married to Valerie Hyden and has 3 grown children. When he is not working, David enjoys spending time with family and friends, and plays bass part time for his church worship team.

Subhani has the Retirement Income Certified Professional (RICP) designation through the American College of Financial Services. Financial experience includes previously working with firms such as Citibank Pakistan, Bancolombia, Jobin.es Spain, and Crown Capital Securities, L.P. Subhani is currently a Wealth Manager of Toro Bravo Investment Advisors, LLC, a Texas state Registered Investment Advisor firm.  

Subhani has been involved in philanthropic organizations like the Ronald McDonald House and United Way.  

I was born in Dinuba, CA.  As a young man, I swam competitively.  I received my undergraduate degree from Oregon State University in 1974.  I received my MBA from the University of Oregon in 1976, and consider myself a lifelong student.

I started my financial services career in 1983, with tenures at Morgan Stanley, Dean Witter, and Paine Webber. I hold insurance licenses and have passed the Series 3, 7, 8, 24, 63, and 65 examinations.  My career has involved retail sales, recruiting and managing advisors, and wholesaling financial products.  For the last 25 years, I have been an industry educator and speaker.

I’ve been married for 34 years and we have two fantastic, awesome, gorgeous, incredible children. I enjoy working as a mentor in our church’s men’s ministry.  I also work as a board member with Emergency Ministries, an organization that works with our community’s first responders.

My real passion is my clients. My mission is to do the best job possible for them.  That begins and ends with listening.  I listen, listen, listen to my clients so I can develop individual plans to help them create, develop and maintain the lifestyle of their choosing.  My areas of focus include investment selection, retirement income planning, and family wealth management.

Michael Masor specializes in protecting his client's finances and helping them reach their goals; being the owner of Clearwater Financial Group and being independent, he contracts with multiple companies to bring the best products to his clients. 

Mike has been able to help people of all ages protect millions of dollars in retirement assets, and not a single one has lost a penny from market downturns. When asked about his goals, he said, "It is my desire to give my clients peace of mind that their futures are taken care of; I work hard to find the best rates to make that possible. "I personally customize plans for families' particular situations so they will know their money will perform the way they need it to." 

Lindsey, Mike's wife of 13 years, also works in the business and enjoys the chance to work closely with clients. They live in Houston, Texas, and have two sons that keep them busy with year-round sports; Mike and Lindsey love taking the boys fishing and camping or playing a semi-competitive driveway basketball game.  

Mike's experience, honesty, and integrity are the foundation of his business. His high referral rate directly results from his passion for helping his clients.  

You can hear Mike on Safe Money Radio or visit his website at www.clearwaterfinancialgroup.com

Jeremy Sparks is a Certified Financial Fiduciary® and a proud partner of JD Mellberg Financial, the nation’s leading retirement income planning firm. He continues to be named by multiple organizations as one of the top Safe Money and Income Experts in the Nation.

Since 2017, Jeremy has protected MILLIONS of dollars in client retirement savings. He has a passion for life and protecting the hard-earned money that people have acquired over the years. Jeremy specializes in removing his clients’ money from market volatility and has helped countless individuals avoid the significant retirement losses that many experience year after year due to market uncertainty. Due to his success, Jeremy’s expertise and knowledge are heavily sought after.

Jeremy is licensed in multiple states and works with a wide variety of clients located all across the country. Jeremy takes a customized approach with each and every client he works with to build a retirement plan that consists of SAFETY, SECURITY, and GUARANTEED LIFETIME INCOME. He lives happily in Austin, Texas with his girlfriend Melissa and their 6 year old French Bulldog Chaparro.

Jeremy loves knowing that none of his clients have ever lost a dime or missed a lifetime income payment due to market risk, helping to reduce some of the most common fears of today’s retirees.

After attending the University of Texas at Austin, Tammie Tirres was provided the opportunity to work for a private real estate investment company.  During this time, she discovered that helping people reach their financial goals and become fully prepared for the future in order to enjoy their retirement without worry is what motivates Tammie and provides her purpose in her career.

Tammie appreciates that there are always opportunities for growth, development and knowledge.  She has a passion for learning and thrives in discovering innovative methods and finding solutions to problems.  Constantly learning how to better serve her clients is what keeps Tammie on her toes, which she truly enjoys.

Tammie leads with compassion and respect, two attributes that contribute to her admirable client relationships.  She genuinely wants to support her clients in reaching their goals.

Licenses & Certifications

Life and Health Insurance License

Securities License – Series 65

Professional Profile

Lin A. Edwards, AAMS®, CDFA®, CRPC®, ChFC®, QPFA®, CLU®

Managing Director

I service a select group of families, business owners/entrepreneurs, and executives. My mission is to be an essential and trusted advisor to clients as they pursue their vision of financial success. My commitment to this mission is defined by three core principles:

I. Consultative Approach – Through discovery that helps clients discuss, clarify, and prioritize their financial objectives. An interactive wealth management planning process that helps clients see where they stand today along with a clear path to goals achievement. A commitment to educating clients helps simplify complex issues and ease decision-making. Benefit: Clients experience the confidence that comes from having clarity / structure in their financial lives.

II. Goals-Based Strategies – Experience, teamwork, and training allows us to innovate and bring a meaningful perspective. A clear investment philosophy combined with proven principles results in portfolios tied to clients’ stated objectives. Willingness to work with other professionals and leverage global resources brings customized solutions based upon your risk tolerance, time horizon, liquidity needs and investment goals. Benefit: Clients feel more at ease knowing that their advisor is a financial steward.

III. Personal Attention – Working with a select number of clients helps ensure accessibility and responsiveness. Proactive reviews and regular communication help make sense of financial markets and keep our clients on track.