# Tim Witham

> Tim Witham is a fee-only financial advisor at Balanced Life Planning LLC in Villa Hills, Kentucky, who holds the CFP credential. Tim charges a percentage of assets, an ongoing planning fee, hourly fees and a one-time planning fee (ongoing planning from $1,800 a year and $250 an hour) and focuses on equity compensation, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/tim-witham/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Balanced Life Planning LLC
- **Based in:** Villa Hills, Kentucky
- **Fee model:** Percentage of assets; Ongoing planning fee; Hourly; One-time planning fee
- **Fees (firm's website):** ongoing planning from $1,800 a year; $250 an hour; 0.4%–1% a year of assets managed
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $9.9M across 15 accounts
- **Credentials:** CFP
- **Specialties:** Equity compensation, Tax planning, Estate & legacy planning, Retirement planning
- **Works with:** High earners, Tech employees
- **CRD:** 5896121 (https://adviserinfo.sec.gov/individual/summary/5896121)
- **SEC registration:** Investment adviser representative in KY, TX
- **Exams passed:** Series 63 (2011), Series 66 (2012)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://bl-planning.com

## Frequently asked questions

### Is Tim Witham a fee-only financial advisor?

Yes. Tim Witham is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Tim's firm.

### How does Tim charge for financial advice?

Tim charges a percentage of assets, an ongoing planning fee, hourly fees and a one-time planning fee.

### How much does Tim charge?

According to Balanced Life Planning LLC's website, checked October 28, 2026: ongoing planning from $1,800 a year; $250 an hour; 0.4%–1% a year of assets managed.

### Does Tim work with clients virtually?

Yes. Balanced Life Planning LLC says on its website that it works with clients remotely.

### Where is Tim Witham based?

Tim Witham is based in Villa Hills, Kentucky.

### What does Tim specialize in?

Tim's specialties include equity compensation, tax planning, estate & legacy planning and retirement planning. Tim works with high earners and tech employees.

### What credentials does Tim Witham hold?

Tim Witham holds the CFP credential.

### Is Tim Witham registered with the SEC?

Yes. Tim Witham is registered as an investment adviser representative in KY and TX (CRD 5896121), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Balanced Life Planning LLC manage?

Balanced Life Planning LLC reports $9.9M across 15 accounts in assets under management.

### How do I contact Tim Witham?

Through Tim's website, bl-planning.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/52212): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://bl-planning.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.