Our Story...

About Time Risk & Retirement

financial advisor

PAUL DWYER | BA CFP® CHS™ RRC®

Principal Consultant

Paul has been in practice for decades,  deeply involved with business owners struggling to meet timely objectives while realizing their long term vision.


Numerous qualifications, licenses, awards and accolades accumulate around Paul from his commitment to academic qualification, his curiosity and passion for the Business / Finance industry and his client directed experience. 


Paul remains passionate about the evolution of a small steady business, to an established mid sized business, from owner's roles changing from trade, to executive, to owner.. to shareholder.  He see's the evolution as inevitable, with time/and risk being key variables to be optimized. 


A business like a living thing, can be cultivated, to optimum levels, if there's a plan, vision, objectives. 


Paul's life purpose is:

To improve the certainty and well being of his clients

through the application of insight and planning. 



Risk-Free Consultation

About Time
Risk & Retirement Consulting


 Vision:

What if Success meant liberty of time, and failure was obligation of time - and both success and failure were simple clear options for one to choose? 


The world is murky, uncertain, and risky. We imagine our community, confidently navigating toward success - free from anxiety- through planning and insight. 


What if failure was only an irrelevant option? 


Mission:

  • To empower the business community by insight planning and service
  • To boldly embrace hard decisions, with certainty and confidence
  • For the ultimate purpose of greater liberty of time. 


Values:

  •  We value time, and the liberty of time mentally, physically, emotionally, and financially.
  • We value risk, knowing that through planning and insight we can reduce, avoid, or transfer it effectively.
  • We value peace, where big, creative, bold innovation, blossoms in an otherwise tumultuous, toxic, desperate world.
  • We value honor, and the journey
  • to BE honorable,
  • to DO honorable things, and
  • to have honor always in All Ways. 


We understand that reality requires decisions, seeming difficult, dangerous, fraught with discomfort.

We also know that diligent application of expertise is a EXPONENTIAL FORCE MULTIPLIER making the way clear for better outcomes. 


Fiduciary Duty: We are bound by the "Best Interest of the Client" standard of care. With limited hours, in peak demand, every effort is made to accommodate new clients as priority & capacity permit. It is our quality assurance guarantee.   

  • Burden of Value

    The “Burden of Value” Must be Satisfied… 


    Relevant, Credible, Value


    I engage my clients only when I am confident that I can deliver a clear net value to their operation.  Time is finite, I maximize my effectiveness only by satisfying the burden of value.


    If I can't move the needle, I shouldn't be working on this file.  There's no secret, its about objectively evaluating each file to determine if I am needed.  


    There's so much demand that a bad fit doesn't serve anyone.  

  • Insight /Foresight

    I act with insight.  My training and decades of experience qualify me to act with knowledge and skill beyond average.  Knowing what to do is my value.  


    I'm also looking forward for the indicators of pitfalls and challenges.  I see patterns and indicators that lead me to seek opportunities or avoid risks.  Trained Intuition.   


    Often with skeptics the effort to prove my skill is greater than the effort to resolve catastrophe.  I choose not to clean up something that shouldn't have broken in the first place.  

     

  • Certainty

    Its too easy to say one cannot know the future.  Being a student of the patterns that delay or deferr inevetable success gives rise to awareness, and certainty.  


    Being certain,  removing doubt enhances the effectiveness of not just the decision maker but all invovled in the decision .  In business doubt is lethal... so insight is priceless.  

  • Informed Planning

    Informed Planning - accepting that merely the awareness of trajectory is not effective enough.  Through the application of external insight about the planning matter, environment, conditions, patterns must enhance the effectiveness.  


    Its not enough to see a straight road, with a Map and compas, traffic and weather report,  a reliable vehicle, and experienced driver, the journey has become much more effective.


    Its about saving Decades of time by making better decisions, more confidently.  That's it.  

  • Risk Analysis, Strategy and Management.

    Risk is inevitable, so understanding and embracing the opportunity to work through risk in a more effective way is a strategic advantage.  Like a more aerodynamic car in a crowded racetrack,  gives that team an advantge over the entire field.  


    Insurance is a strategic advantage, since it's a direct cost that all competitors pay for but only a fraction understand and work with.  


    Are your suppliers, customers and sub contractors propperly insured?... How do you know?

  • Planning / Strategy / Advice

    Planning is the commitment of resources over time to achieve a specific goal.  Quality of planning leads to greater success of the goal.


    Strategy:  Specific methods proposed to best use current conditions to advance the progress of a plan.  Often strategies are layered to enhance/compound the effect.  


    Advice:  Real Time analysis and direct recommendation for the purpose of making decisions more favorable than otherwise.  Timely and specific

After initial consultations
our clients may be offered:

Risk-Free Consultation
Custom Planning & Services Package Flat Fee
Custom Advisory, Strategy Consultancy Hourly Estimate
Product or Service on Demand As Appropriate
Referral to Associated Professional As Appropriate
Pre Qualification Task List to Complete Deferred

$500/h on a subscription basis. Subject to minimum.  Ask for applicable discounts.