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Financial Advisors: Tim Novatnack

Tim Novatnack

Tim Novatnack

Vice President/Financial Advisor, CLU, CHFC

Service Area: Columbia, Lycoming, Montour and Northumberland Counties in PA
Main Office: FNB Bank, N.A. - Main Office, 344 Mill Street, Danville, PA 17821
Phone: 570.271.3401
Other Information: Sales Assistant, Andrea Weaver-Stine, 570-271-3400

An experienced, attentive financial advisor, Tim Novatnack’s mission is to advise individuals and organizations in the most efficient methods of wealth accumulation and preservation. Tim has developed a keen insight into developing professional and personal relationships. He works closely with his clients in formulating appropriate strategies and his expertise lies in selecting investments that match each client’s specific goals and objectives.

Tim has been with Fulton Financial Advisors for 11 years and has over 24 years of experience in the financial services industry.

A graduate from Muhlenberg College, he earned a Bachelor of Science degree in Accounting and Business Administration, minor in Finance. Tim continued his education and earned designations of Chartered Life Underwriter and Chartered Financial Consultant. Additionally, Tim holds his Series 6, 7, 63 and 65.

Tim currently resides in Bloomsburg, Pennsylvania. He enjoys spending time with his wife Karen of 21 years, and their children, Joseph, Elizabeth and Michael.

Financial Guidance

  • Asset Allocation
  • Retirement Planning
  • Education Planning
  • Insurance and Annuities
  • Legacy Planning

Investment Choices

  • Stocks
  • Mutual Funds & ETFs
  • Fixed & Variable Annuities
  • Traditional, Roth, & Simple IRAs
  • Corporate & Municipal Bonds
  • Government Securities
  • Long Term Care and Life Insurance

Your Rights as a Client

  • Courteous service
  • A trustworthy and competent financial advisor
  • Suitable recommendations
  • Timely transactions at the best available prices
  • Full disclosure of costs and risks
  • Clear communications
  • Comprehensive statements and trade confirmations
  • Prompt error and complaint resolution
  • Strict confidentiality

Investment Consulting Process

Step 1: Determine Financial Objectives

The investment process begins with a comprehensive analysis of your present financial resources, liabilities, and objectives (both short and long term). Additionally I will assist you in articulating the level of risk at which you are comfortable.

Step 2: Developing a Plan

The key to creating your customized investment plan is my disciplined approach to the process of incorporating investment products that are suitable to your unique financial goals and objectives. My process encompasses your investment time horizon, risk tolerance, and tax considerations in the overall plan design.

Step 3: Implementation

It is important that you understand and are comfortable with all aspects of the investment plan. We will then move forward by implementing my specific recommendations.

Step 4: Tracking Performance

A key to a prudent financial plan is to make certain that your portfolio account stays on track after my recommendations have been implemented. I will closely monitor the performance of your portfolio account. We will meet on a regular basis to discuss the performance of your investments and determine if any adjustments are needed.

The above mentioned is a financial advisor with, and offers securities through, Raymond James Financial Services, Inc., Member FINRA/SIPC, an independent broker/dealer, (not affiliated with Fulton Financial Advisors or the Financial Institution) and are not insured by the FDIC or any other government agency or bank insurance, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal.