# Timothy Tuinstra

> Timothy Tuinstra is a fee-only financial advisor at Calder Financial Group in Winona, Minnesota. Timothy charges a one-time planning fee and focuses on retirement planning and tax planning.

Page: https://find.wellspent.co/advisors/timothy-tuinstra/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Calder Financial Group
- **Based in:** Winona, Minnesota
- **Fee model:** One-time planning fee
- **Assets under management (firm):** $297M across 1,831 accounts
- **Specialties:** Retirement planning, Tax planning
- **CRD:** 7226346 (https://adviserinfo.sec.gov/individual/summary/7226346)
- **SEC registration:** Investment adviser representative in MI, MN
- **Exams passed:** Series 66 (2020)
- **Firm size:** 7 employees
- **Disclosures:** None reported
- **Website:** http://www.wearecalder.com

## Frequently asked questions

### Is Timothy Tuinstra a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Timothy holds no broker registration, and Calder Financial Group reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Timothy charge for financial advice?

Timothy charges a one-time planning fee.

### Where is Timothy Tuinstra based?

Timothy Tuinstra is based in Winona, Minnesota.

### What does Timothy specialize in?

Timothy's specialties include retirement planning and tax planning.

### Is Timothy Tuinstra registered with the SEC?

Yes. Timothy Tuinstra is registered as an investment adviser representative in MI and MN (CRD 7226346), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Calder Financial Group manage?

Calder Financial Group reports $297M across 1,831 accounts in assets under management.

### How do I contact Timothy Tuinstra?

Through Timothy's website, www.wearecalder.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7226346): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.wearecalder.com/): specialties, clients served, and fees, checked October 30, 2026

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