Wisconsin Retirement & Protected Income Planning
Disciplined wealth strategies, fixed income solutions, tax-efficient approaches, and estate guidance — built around protecting what you've worked a lifetime to build.
Serving clients in Wisconsin and across the U.S.
Founded by Tim Gerds. Built for people who value principal protection, tax efficiency, and a clean transfer of wealth to the next generation.
Solutions
Most people don't need more complexity. They need a disciplined plan that preserves capital, minimizes tax drag, generates reliable income, and transfers cleanly to heirs — without the noise of market speculation.
Keep More of What You've Earned
Taxes are the retirement expense nobody talks about enough. We build your income strategy around the tax code — not in spite of it — so less of what you've saved goes to the IRS and more goes where you intended.
Our tax architecture approachProtected Retirement Income
Build a retirement paycheck designed to last — using a disciplined mix of fixed income, guaranteed income vehicles (subject to the claims-paying ability of the issuing insurer), and annuities selected for structure and fit, not commission. Focus on principal protection and dependable distribution.
How we protect your incomeEstate & Legacy Coordination
Align your plan with estate and beneficiary goals so wealth transfers cleanly to the next generation — without unnecessary tax friction or probate drag.
See our Estate Planning Coordination PackageWhy this approach is different
Wealth Freedom Advisors is built for people who want more certainty and less noise. The goal isn't to chase markets or sell products. The goal is to preserve what you've earned, generate income you can count on, and hand off what's left cleanly.
"The right plan should feel calm, clear, and durable. It shouldn't depend on constant market optimism to work."
— Tim Gerds, Wealth Freedom Advisors
Built for certainty. Designed for longevity.
A disciplined four-step process
Keep it clear. Keep it efficient. Build the plan in the right order.
Discover
Understand your goals, current assets, income needs, tax situation, and the risks that matter most to your family — not a generic intake form.
Design
Build a preservation-first strategy across income, tax, and estate. Every piece selected for fit, not because it's on a product shelf.
Implement
Execute with clear next steps, coordinated with your CPA and attorney when needed, and communicated in language you can actually use.
Adapt
Revisit the plan as markets, tax law, health, family, and estate priorities change. A plan that doesn't adjust isn't a plan — it's a guess.
About Wealth Freedom Advisors
Wealth Freedom Advisors is built around a single promise: preserve what you've earned, generate income you can count on, and pass the rest on cleanly.
Most people approaching or in retirement don't need more moving parts. They need a disciplined structure — one that protects principal, manages tax drag, delivers reliable income, and holds up through real-world markets, real-world tax law, and real-world life changes.
That's what we build. Nothing flashier. Nothing more complicated than it needs to be.
Founder note
I started Wealth Freedom Advisors because too many people approaching retirement are handed portfolios built for someone else's risk tolerance — and someone else's commission.
My work is simple: protect what you've built, generate income you can count on, and pass the rest on cleanly. No speculation, no products you don't understand, no advice that only makes sense in a bull market.
— Tim Gerds, Founder
FAQ
Who is Wealth Freedom Advisors for?
Pre-retirees, retirees, and families focused on preserving what they've built. Typical clients have meaningful assets, want reliable income in retirement, and care about transferring wealth to heirs efficiently. If your priority is keeping and passing on what you've earned — not chasing maximum growth — this is likely a fit.
Do you sell annuities?
Yes, when they fit the plan. Annuities are one tool among many — useful for guaranteed income and principal protection in specific situations, and the wrong answer in plenty of others. We recommend them when the math supports it and tell you when it doesn't. Your plan drives the product, not the other way around.
How are you different from a typical financial advisor?
Most firms are built around accumulation — maximizing returns on the way up. We're built around preservation — protecting what's already there, generating reliable income, minimizing tax drag, and ensuring a clean estate transfer. Different priorities mean different advice.
Do you coordinate with my CPA and attorney?
Yes. Tax and estate strategy don't work in isolation. We coordinate with your existing CPA and estate attorney when it strengthens the plan — or can make introductions if you don't already have those relationships.
What does a first meeting look like?
A no-obligation discovery call. We learn about your goals, current situation, and concerns. You learn how we work. If it's a fit, we schedule a deeper review. If it's not, we tell you.
What happens after we decide to work together?
We move through a clear four-step process: Discover, Design, Implement, and Adapt. You'll know what's happening at every stage, why it's happening, and what's coming next.
Book a Free Consultation
A no-obligation call to see if we're a fit. No pressure, no product pitch — just a conversation about your goals.
5 Tax Mistakes Retirees Make
A short, plain-English guide to the most common (and most expensive) tax missteps in retirement — and how to structure around them.
What clients say.
"Tim and his team have taken care of my family and I for years now. It's a great feeling knowing that our assets are protected for us and our family."
"Tim helped me at a very difficult time in my life. I am grateful that he took the time to help me with my family investment and estate plan. It has been nothing but a pleasure working with the Wealth Freedom team."
Results may vary. Testimonials reflect individual client experiences.
Request a Call
Fill out the form below and Tim will reach out within one business day — no pressure, no pitch.
Ready to take control of your financial future?
Schedule a free consultation.