Tim Cummuta has authored numerous articles and manuals over the years. Currently Owner of Deft Consulting, LLC. For the past forty years, working in wide arena of financial services including Medicare and Social Security issues, credit problems, retirement planning, estate planning, and succession planning, he has gained a broad well-balanced expertise of the financial issues and difficulties facing Americans today.As a former Director for a three-time Inc. 500™ financial services company with over 70,000 members, Tim learned firsthand what will make or break a personal financial plan.Tim also spent years consulting top companies like Sprint and Granger, overcoming serious and difficult business obstacles. As a Project Manager, he managed numerous multi-million-dollar projects from conception to completion which produced a profound understanding of the problems and pitfalls of poor planning.A husband, a father of four, and a grandfather, he was also ordained as a minister with Apostolic Team Ministers in 1991. Tim resides in S.W. Wisconsin, and currently holds a B.A. in Accounting and Finance and a Master’s in Financial Planning.Read more about this authorRead less about this author