Form ADV – Part 2B
Timothy Spuler
Financial Planner
TruVine Financial, LLC
17 Apple Orchard Road
Moorestown, New Jersey 08057
Email: TruVineFinancial@gmail.com
TSpuler@TruVineFinancial.com
Website: www.truvinefinancial.com
January 2, 2020
This Brochure Supplement provides information about Tim Spuler that supplements the TruVine Financial, LLC Investment Advisor Brochure. You should have previously received a copy of that Brochure. Please contact Tim Spuler if you did not receive TruVine Financial’s Brochure or if you have any questions about the contents of this supplement.
Additional information about Tim Spuler is available on the SEC’s website at www.adviserinfo.sec.gov
Item 2 – Educational Background and Business Experience
Tim Spuler, Age 60
Education:
Rutgers, The State University, BA – Accounting, 1982
The American College, Chartered Financial Consultant (ChFC), 2019
Business Background:
TruVine Financial, LLC, Owner and Managing Member, 2017 – Present
Ramsey Solutions, Independent Certified Financial Coach, 2016 – Present
Cardone Industries Inc., Various positions (CFO, Executive VP Operations, General Manager) 1982 – 2017
Item 3 – Disciplinary Information
Tim Spuler has no disciplinary history to disclose.
Item 4 – Other Business Activities
Tim Spuler is a Financial Planner in the states of New Jersey and Pennsylvania. He maintains an independent Financial Coaching Certification with Ramsey Solutions™, a Dave Ramsey organization, and also coordinates Financial Peace University ™, a nine (9) week class on personal finances created by the Dave Ramsey organization. During his tenure at Cardone Industries, Inc., Tim gained significant general business and financial experience. Tim has consulted with other businesses and universities in the areas of business operations and financial restructuring. Books and records for Financial Planning and consulting are combined together with any Investment Advisory Services offered by TruVine Financial, LLC. Tim spends approximately 90% of his time on Financial Planning and approximately 10% of his time as an Investment Advisor.
Item 5 – Additional Compensation
Tim Spuler does not receive compensation from fees for Financial Planning or general business consulting separate and apart from TruVine Financial, LLC.
TruVine Financial recommends TD Ameritrade, Inc. (“TD”) and/or Fidelity Investments, Inc. (“Fidelity”) to act as broker or agent to effect securities transactions; however these are only recommendations. Any client may select any broker or agent they feel best meets their needs. Both TD and Fidelity are unaffiliated with TruVine. They provide services to independent investment advisors such as custody of securities, trade execution, clearance and settlement of transactions.
As a result of our relationship with TD and Fidelity, TruVine may receive certain economic benefits and services related to the referral of clients to TD or Fidelity.
While serving as the Chief Financial Officer of a Philadelphia based auto parts remanufacturer, Tim Spuler created many strong relationships with Investment Advisors, Financial Planners, Bankers, Accountants, Lawyers, Insurance Agents / Brokers, Pension Consultants and Real Estate Brokers. While these relationships have been valuable and beneficial from a knowledge perspective, any recommendation to clients of the above professionals is done without any direct or indirect material compensation to Tim Spuler or TruVine Financial, LLC., and does not create any material conflicts of interest.
Item 6 – Supervision
Tim Spuler is the Owner and Managing Member of TruVine Financial, LLC, (a single member LLC). Currently there are no employees to supervise.
Item 7 – Requirements for State-Registered Advisors
Tim Spuler has not been involved in/with, or been accused nor found liable for any of the following:
- An award or otherwise being found liable in an arbitration claim alleging damages in excess of $2,500.00, involving any of the following:
- An investment or an investment-related business or activity;
- Fraud, false statement(s), or omissions;
- Theft, embezzlement, or other wrongful taking of property;
- Bribery, forgery, counterfeiting, or extortion; or
- Dishonest, unfair, or unethical practices.
- An award or otherwise being found liable in a civil, self-regulatory organization, or administrative proceeding involving any of the following:
- An investment or an investment-related business or activity;
- Fraud, false statement(s), or omissions;
- Theft, embezzlement, or other wrongful taking of property;
- Bribery, forgery, counterfeiting, or extortion; or
- Dishonest, unfair, or unethical practices.
- Any bankruptcy petition – Neither TruVine Financial nor Timothy Spuler have been the subject of a bankruptcy petition at any time.
