“I’ve been in your shoes. I spent 22 years as a pilot. Now I make it my goal to help airline pros like you enjoy a better quality of life during retirement and the time leading up to it.” John E. Foster II
Founder & Chairman
The mission of TIM is to be the leading investment advisory firm for aviation professionals. We want to grow in a methodical way where each client gets the superior, personalized service they expect and plan to stop taking new clients when we feel our existing clients might suffer if we continue adding new ones. We believe a team approach works best when dealing with people’s finances and have a deep bench to get questions answered. Unlike most advisors, we believe that all hardworking people (the “average Joe,” blue collar workers—not just the super wealthy) deserve access to exceptional service, money management and technology when dealing with their retirement. Our client base can live a comfortable retirement, but there is no room for error so expert financial management is crucial. Therefore, we have a serious responsibility to these hardworking people. We look at our role like that of a fire fighter, police or knight. We are protecting and looking out for clients to safeguard what they’ve worked so hard to accumulate over their lifetime. We take great pride in what we do and the responsibility is monumental. We are always trying to improve.
Total Investment Management, Inc. is a Registered Investment Advisor founded in 1991 by former military and commercial pilots John E. Foster II and James Hughes under the original name, HFG Asset Allocation Service. The name was later changed in 1998 to Total Investment Management, Inc. (TIM) to better reflect the growing services we were providing to aviation professionals. Since 1998, the firm has evolved into a full service financial advisory firm. In 2008, TIM decided to become a true fiduciary of clients’ assets by becoming a nationally registered investment advisor. We believe this structure is the most transparent way for an investor to work with a financial advisor. This is because registered investment advisors are held to a fiduciary standard and collect their revenue based mainly on fees and not commissions.
We are not trying to be all things to all people. We concentrate our efforts on the airline industry. We do not have or plan to have multiple offices around the country with a big sales team. We believe in a competent manageable team of people to help our clients. TIM is continually reviewing processes, technology, adding value-added services and building a strong team to serve you.
John E. Foster II
Founder & Chairman
John E. Foster II was born on Staten Island, NY, on April 2, 1944. After completion of high school, John attended Wagner College on Staten Island, NY, graduating with a B.S. in Biology. After graduation, John taught General Science for one year and then entered the U.S. Air Force. He earned his wings in February of 1968, serving four years as a pilot in Vietnam and at various stations in the United States and was awarded the Distinguished Flying Cross. After separation, he worked briefly as a Marketing Rep for Hallmark Cards until hired by Eastern Airlines as a pilot. During the fuel crisis furlough, John worked on his Masters in Accounting and Taxation at Fairleigh Dickinson University. Recalled to Eastern in 1978, John worked for Eastern until March of 1989 when the company went bankrupt. While building his financial practice, John worked at McDonnell Douglas, writing the crew procedures for the Mission Computer for the C-17 aircraft. He founded the company in December 1991 and is a Principal. John enjoys riding motorcycles, cooking and is active in his church, singing in choir and doing other charitable events.Email John
Todd M. Foster AIF®
Chief Executive Officer
Todd M. Foster was born and raised in Emerson, N.J and has lived in the Valley since 1998. He graduated from the Janice H. Levin School of Business-Rutgers University, with a B.S. in Accounting. While in college, he was employed by Ernst & Young LLP in the National 401k/Pension Department. After graduation, Todd continued working for Ernst & Young LLP in their professional group as an auditor. During this time, he was assigned to the Kenneth Leventhal Real Estate Group, located in New York City. While at Leventhal, Todd obtained his CPA license and was involved with various real estate consulting and auditing services, as well as involvement with two initial public offerings. Todd joined Total Investment Management in January of 1998 to work alongside his father, John. Todd obtained his Accredited Investment Fiduciary (AIF®) designation in 2009 to better serve TIM’s main clientele: participants of pension and 401k plans. Todd sits on the investment committee, enjoys communicating with clients and looking for growth and strategic opportunities for TIM. He enjoys working out, golf, skiing, baseball (esp. Little League) and the occasional cigar.Email Todd
Philip E. Lowe CFPTM MBA
Philip Lowe works for Total Investment Management (TIM) as a Financial Advisor and Certified Financial PlannerTM, primarily serving aviation individuals, families and organizations. He also sits on the Investment Committee. He has 18 years experience in the financial services industry to include financial planning, investment planning, portfolio development, retirement planning, insurance and estate planning. Philip’s credentials include a Bachelor’s degree from The Citadel in Business Administration and Master’s Degree in Business Management from Central Michigan University. He also obtained a Certified Financial Planner (CFPTM) certification from the American College of Financial Services. Philip was an aviation professional. His first career was in the United States Air Force, where he earned Navigator Wings and Pilot Wings. While in the military, he completed his Master’s Degree in Business Management, Squadron Officers School, Air Command and Staff, and Air War College. He served in Vietnam and flew 183 combat missions. Philip was awarded the Distinguished Flying Cross. He retired as an F-16 Squadron Commander at Hill AFB. After his Air Force career, Philip was hired by Southwest Airlines. He completed 17 years with Southwest, with 14 years as a Captain. Philip lives in Phoenix, AZ with his wife Bobbe, a SWA Flight Attendant. When he’s not working, Philip likes to play golf, hike, and ride mountain bikes.Email Philip
Jim Hughes CFPTM MBA
Jim Hughes was born in New York City in 1940 and is a graduate of the US Naval Academy and an ex-Navy pilot. He saw two tours of duty as a carrier-based fighter pilot in Vietnam, earning a Distinguished Flying Cross. As a pilot with Eastern Airlines, he served on the Retirement and Insurance Committee. James enrolled in graduate school where he continued research on Modern Portfolio Theory and the use of the Markowitz Mean-Variance Model and its applications to increase portfolio return. He received his MBA with distinction, and is doing post-graduate research in diversification and the role of various assets such as commodities in the fine tuning of risk for large pension funds. Jim has lectured across the country on portfolio allocation and diversification for individuals and large groups and has given seminars for CFPTMs and accountants, as well as employees of former Eastern Airlines, United Airlines, Pan-American, UNOCAL, Eastman Kodak, Bell Labs and employees of various municipal groups. He holds the CFPTM designation, is a member of the Investment Committee and is a practicing Certified Financial Planner. Jim spends his free time hiking and doing volunteer work with the VA.Email James
Bryan Lee CMT
Chief Technical Analyst
Bryan Lee is native to the Valley but grew up in Northlake, IL. Bryan graduated from the W.P. Carey School of Business at Arizona State University with a B.S. in Marketing. He joined the Total Investment Team in 2005. Bryan was originally hired on as the Director of Asset Services; this position entailed communicating with current and prospective clients and handling the day-to-day operations of running the asset service (401k Management). He now manages the trading platforms and is responsible for the execution of our trades. Bryan is a member of the Market Technicians Association and holds the designation of Chartered Market Technician (CMT) and sits on the Investment Committee. He is allergic to cold weather and enjoys bow ties, baseball and golf carts.Email Bryan
John W. Greer CFA
John Greer is originally from Toronto, Canada. Growing up, he attended French Immersion schools as a form of bilingual education with French as his primary language. He moved to the United States to attend school and graduated from the W.P. Carey School of Business at Arizona State University with a B.S. in Finance. John joined the Total Investment team in 2007 and is a member of the investment committee. He handles the day-to-day operations of running the asset service (401k Management), research and investment selection process. John is a Chartered Financial Analyst (CFA) Charterholder and is also a member of the Phoenix CFA Society. John is a competitive person at heart, stemming from his childhood upbringing with a twin. He is an avid golfer and has set out a goal to become a scratch golfer. Also, in his spare time he enjoys traveling and learning about different cultures around the world.Email John
Chief Operations Officer
Denise Martinez was born and raised in Brooklyn, New York and has lived in the Valley of the Sun since 1997. Denise has been involved in the securities industry since 1988 and has worked in several different capacities over the last 25 years with major companies such as Morgan Stanley, Smith Barney, UBS Financial and Charles Schwab. Denise joined our team in 2006 as Director of Operations. She is fluent in Spanish and sees to it that all necessary requirements are fulfilled internally, while keeping customer service as the highest priority. She truly is a problem solver and team player. In her free time, Denise enjoys traveling, dancing, and cooking Caribbean food. She is married to Eddie who she met in Arizona and has two children, a blonde-Diva Chihuahua and a very protective orange-tabby cat.Email Denise