---
title: Tim's Take
description: Tim’s Take delivers practical, values-driven insights on retirement, tax planning, Medicare, and legacy—written by CFP®, CIMA®, RMA®, EA Timothy J. Haas to help you live wisely and retire with purpose.
---

[Blog](https://dev.timothyjhaas.com/tims-take#)

[Categories](https://dev.timothyjhaas.com/tims-take#)

[Sep 9, 2025 1:46:01 PM •  9 min read

![Total Compensation Includes Salary, Benefits, Stock Options, Qualified Plan, Deferred Comp](https://dev.timothyjhaas.com/hs-fs/hubfs/AI-Generated%20Media/Images/The%20image%20depicts%20a%20professional%20modern%20office%20setting%20with%20a%20sleek%20wooden%20desk%20and%20a%20comfortable%20ergonomic%20chair%20On%20the%20desk%20a%20laptop%20is%20open%20displaying%20a%20spreadsheet%20with%20various%20columns%20labeled%20Salary%20Equity%20Bonuses%20Benefits%20and%20Time%20Off%20Beside%20th.png?width=500&height=500&name=The%20image%20depicts%20a%20professional%20modern%20office%20setting%20with%20a%20sleek%20wooden%20desk%20and%20a%20comfortable%20ergonomic%20chair%20On%20the%20desk%20a%20laptop%20is%20open%20displaying%20a%20spreadsheet%20with%20various%20columns%20labeled%20Salary%20Equity%20Bonuses%20Benefits%20and%20Time%20Off%20Beside%20th.png)

###### Beyond Salary: Understanding Your Total Compensation

](https://dev.timothyjhaas.com/tims-take/beyond-salary-understanding-your-total-compensation-1)

[Sep 9, 2025 1:45:56 PM •  6 min read

![](https://dev.timothyjhaas.com/hs-fs/hubfs/Blog%20Imaage%2010.jpg?width=500&height=500&name=Blog%20Imaage%2010.jpg)

###### Innovative New Year's Resolutions: Financial and Personal Growth Strategies for 2025

](https://dev.timothyjhaas.com/tims-take/innovative-new-years-resolutions-financial-and-personal-growth-strategies-for-2025)

[Aug 1, 2025 11:36:47 AM •  1 min read

![](https://dev.timothyjhaas.com/hs-fs/hubfs/Universal%20Image-1.jpeg?width=500&height=500&name=Universal%20Image-1.jpeg)

###### What does the Medicare Advantage Plan Star Rating Mean?

](https://dev.timothyjhaas.com/tims-take/what-does-the-medicare-advantage-plan-star-rating-mean)

[Jul 31, 2025 10:11:17 AM •  7 min read

![](https://dev.timothyjhaas.com/hs-fs/hubfs/Blog%20Imaage%209.jpg?width=500&height=500&name=Blog%20Imaage%209.jpg)

###### 10 Facts You May Not Know About Social Security

](https://dev.timothyjhaas.com/tims-take/10-facts-you-may-not-know-about-social-security)

[Jul 31, 2025 9:26:41 AM •  8 min read

![](https://dev.timothyjhaas.com/hs-fs/hubfs/Blog%20Imaage%208.jpg?width=500&height=500&name=Blog%20Imaage%208.jpg)

###### 10 Things You Can Do Now to Help Simplify Your Estate for Your Heirs

](https://dev.timothyjhaas.com/tims-take/10-things-you-can-do-now-to-help-simplify-your-estate-for-your-heirs)

[Jul 31, 2025 9:19:45 AM •  4 min read

![](https://dev.timothyjhaas.com/hs-fs/hubfs/Universal%20Image.jpeg?width=500&height=500&name=Universal%20Image.jpeg)

###### Don’t Leave Money Behind: Finding Your Missing 401(k)

](https://dev.timothyjhaas.com/tims-take/dont-leave-money-behind-finding-your-missing-401k)

## Contact

Office: [(203)304-9690](tel:203304-9690)  
Mobile: [(475) 221-4050](tel:475221-4050)

107 Church hill Road  
Suite 1B  
Sandy hook, C7 06482

[ask@waypfp.com](mailto:ask@waypfp.com)

Check the background of your financial professional on FINRA's [BrokerCheck](https://brokercheck.finra.org/).

We take protecting your data and privacy very seriously. As of January 1, 2020 the [California Consumer Privacy Act (CCPA)](https://www.caprivacy.org/) suggests the following link as an extra measure to safeguard your data: [Do not sell my personal information](https://www.waypfp.com/donotsellmypersonalinformation).

Copyright 2025 Waypoint Financial Planning, Inc.

Prosperity Capital Advisors ("PCA") is an SEC-registered investment adviser headquartered in Ohio. PCA and its representatives comply with registration requirements in all states where they conduct business or are exempt from registration. Direct communication with prospective clients will be made only by representatives who are properly registered or exempt in their state of residence. Registration does not imply a certain level of skill or training.

Waypoint Financial Planning, Inc. and PCA are separate, unaffiliated entities. PCA does not provide tax or legal advice. Insurance, tax, or other services offered through Waypoint Financial Planning, Inc.  are not affiliated with PCA.

Information on this website is for informational purposes only and should not be construed as investment advice. Some content may be provided by third parties and does not necessarily reflect the views of PCA. PCA is not responsible for, nor does it endorse, content on third-party websites linked here. 

To verify PCA’s registration status, visit the SEC’s Investment Adviser Public Disclosure site at [www.adviserinfo.sec.gov](https://www.adviserinfo.sec.gov/). For additional details about PCA’s services and fees, refer to our Form ADV, available upon request or at [www.prosperitycapitaladvisors.com](https://www.prosperitycapitaladvisors.com/). Please review our Client Relationship Summary (Form CRS), Form ADV Part 2A, Privacy Notice, and your advisor’s ADV Part 2B for more information before investing. For more information regarding your advisor’s designations please review their ADV 2B for a detailed description.