Tim Lowe, Guardian Financial Group

SPONSOR SPOTLIGHT

STORY BY ZACHARY COHEN | PHOTOS BY SHAWNA MCDUFFIE, PEAK RES

Safeguarding Your Finances

Tim Lowe of Guardian Financial Group is concerned with one simple task: safeguarding his clients' finances and setting them up for future financial success. Tim’s approach is rooted in integrity, and his nearly ten years of experience as the owner of Guardian Financial Group backs the approach he takes.

“If a decision is not good for someone, I will tell them that,” Tim says frankly. “I’m not money motivated. If it’s not a good decision, I’ll tell people. I really am doing what’s best for people; that’s the bottom line.”

Founding Guardian Financial Group

Growing up in Edmond, Tim dreamed of building a long career in the financial industry. He graduated with a degree in accounting and entered the working world with high hopes, but after eight years as an accountant, he felt unfulfilled. He knew he could serve his clients and his community in more powerful ways.

After a few years away from the financial world, Tim clarified his next steps. By 2013, he was on the precipice of change; he began studying universal and whole life plans, becoming inspired by the possibility of serving clients with these tools. Two years later, Tim founded Guardian Financial Group, and since then, he has been on a mission to help individuals save for retirement and manage their money well. 

“Would you like to have a real tax-free retirement with no limits on how much you can contribute each year?” Tim asks. “What I mean by that is a tax-free plan that will never lose money in a market downturn.”

Infinite Banking

Tim is committed to making investing and saving as easy as possible. His newest offering, Infinite Banking, allows clients to safeguard their money while earning compound interest.

“It’s kind of like building your own bank. Basically, you use life insurance for banking. Let's say you have a REALTOR® who wants to invest in houses. So you can build a bank account using life insurance and then borrow money from your life insurance account and use your money for collateral. Your money stays in your account and still earns interest each year. Then you pay your loans off, but your interest-earning abilities never get interrupted. You can borrow the money, but you keep earning compound interest on that money,” Tim explains. “It’s not an investment or a retirement account but a banking account. And you can take money out through loans tax-free as needed. It's a great cash flow system for REALTORS®, who go through ups and downs. If you earn $20,000 one month and $2,000 the next, you can use this as a cashflow system that earns interest even when you pull money out.”

Serving the Community

In addition to retirement planning, Tim also offers life insurance, personal banking, and estate planning. He also understands the intersection of each option, so he can advise individuals and business owners on the best path forward, depending on their circumstances. He represents a broad range of insurance companies, enabling him to offer his clients a wide range of choices and products for insurance and retirement planning.

Tim’s primary objective is to be of service to those around him. As he says, “What I enjoy about my work is that I can really help people.”

Outside the Office

When Tim’s not working, you’ll find him hanging out with his family and living a simple lifestyle. He and his wife, Debra, enjoy traveling to their family cabin or watching their grandchildren, who live on the same property as they do.

Tim Lowe is the founder and owner of Guardian Financial Group. He holds a bachelor’s degree in accounting from Central State University. For more information, visit https://guardianfinancialgroup.net.