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Experience and Qualifications

Timothy J. Harlow is a registered representative of and offers securities through Royal Alliance Associates, Inc., member FINRA/SIPC. Tim conducts business at a Royal Alliance branch office in Highland, UT. As a business owner, Tim's primary focus is to serve his clients needs and build a quality presence in his community. Past president and chief financial officer of a manufacturing company with international sales for 8 years. Gained expertise in financial analysis, cash flow analysis, economics, and personal and corporate tax planning.

Over 25 years of personal investment experience with stocks, mutual funds, options and life insurance.
Over 13 years of professional investing, tax planning, and estate planning experience.
Special emphasis in retirement and tax planning.
Securities licenses held:
- Series 24 General Securities Principal
- Series 7 General Securities Representative
- Series 6 Investment Company and Variable Products Representative
- Series 65 Investment Advisor Exam
- Series 63 Uniform State Securities Law Exam
Life Insurance licenses separately held:
- General Health Agent - disablity, long term care and health
- General Life Agent - term, whole life, universal life
- Variable Life Products Agent - variable life and variable annuities

Education:

Graduated Magna Cum Laude from the University of Utah, June 1983
Bachelor of Science, Marketing
Emphasis - Statistical Analysis and Finance
Minors - Finance and Photography

Timothy Harlow is a Registered Representative of and offers securities products & services through Royal Alliance Associates, Inc. Member FIINRA/SIPC, a registered broker-dealer. In this regard, this communication is strictly intended for individuals residing in the states of CO HI ID NV UT WA and WY. No offers may be made or accepted from any resident outside the specific states referenced.

Timothy Harlow is also separately registered as an investment adviser representative under TH Financial, a Licensed investment advisor, offering advisory services in the state of Utah. As such, these services are strictly intended for individuals residing in Utah.

Advisory services offered through Royal Alliance Associates, Inc., a Registered Investment Advisor.

IMPORTANT CONSUMER INFORMATION:

A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion.

For information concerning the licensing status or disciplinary history of broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.