About Us

Time Investment Advisers is a registered investment adviser firm providing comprehensive financial and investment services. We are a fee-only financial advisory firm. Founded in 2025 in New Jersey, we specialize in crafting tailored financial strategies to meet each client’s specific objectives. The firm is principally owned by Cheng Kou.

Our primary services include portfolio management, financial planning, and advisory solutions for insurance, retirement and estate planning. Investment strategies are developed based on each client’s unique financial profile, risk tolerance, and long-term goals.

Portfolios under our management typically include a mix of publicly traded securities, such as stocks, bonds, exchange-traded funds (ETFs), and mutual funds. Clients may also seek guidance on broader financial strategies, including tax considerations and cash flow planning.

We offer a broad range of financial planning and consulting services tailored to individuals, families, and other clients. These services are based on a detailed analysis of the client’s current financial circumstances, goals, and objectives. Typically, our financial planning services involve developing a personalized financial plan or providing consultations designed to align with the client’s specific financial needs and aspirations. These services may include, but are not limited to, Investment Planning, Retirement Planning, Estate Planning, Charitable Giving Strategies, Education Funding, Personal Tax Planning, Wealth Management Techniques, Retirement Income Strategies, Asset Allocation, Net Worth and Cash Flow Assessments, Insurance Reviews, Employee Stock Option Planning, and Comprehensive Business and Personal Financial Planning.

Our financial plans or consultations typically include general recommendations or specific actions for clients to take. These may involve starting or adjusting investment strategies, creating or updating wills or trusts, modifying insurance coverage, changing retirement savings plans, or setting up education or charitable giving programs. For written financial planning engagements, we provide a summary of the client’s financial situation, key observations, and recommendations.