Tim has been a financial advisor for over 20 years and is passionate about helping clients manage their financial lives. Prior to becoming an advisor, Tim worked at the global investment banking firm Barclays Capital, where in his last position he was a Director specializing in telecom and media corporate finance. Throughout his banking career he handled complex financial transactions and built strong relationships with his clients and colleagues.
Born and raised in upstate New York, Tim is a graduate of Villanova University with a B.S. in Finance. He completed the financial planning curriculum at New York University and was awarded the CERTIFIED FINANCIAL PLANNER™ designation in 1995. Tim is a member of the Financial Planning Association and a past president of its San Francisco chapter. He is the former president of the board of Trips for Kids, which leads disadvantaged youth on mountain bike rides. An outdoor enthusiast, Tim enjoys cycling and hiking the watershed areas of Northern California as well as the countryside of Somerset and Hunterdon counties in New Jersey.
Colleen Harrington, CFP®
Colleen attended Villanova University, where she studied nursing with a minor in business. After graduation she moved to Washington, DC and began her career as a registered nurse at MedStar Georgetown University Hospital. Her natural curiosity and interest in personal finance led her to pursue financial planning courses at Georgetown University while continuing her work as a nurse. After completing the education, exam, experience, and ethics requirements, Colleen obtained her CERTIFIED FINANCIAL PLANNER™ certification in 2022.
Colleen's nursing experience informs her approach to planning — it taught her the importance of building trust and open communication. She takes the time to get to know her clients and works closely with them to create a financial plan that aligns with their unique goals and values. Raised in Northern California, Colleen loves the outdoors, exploring national parks, and spending quality time with family and friends. In her free time she also enjoys yoga, reading, and cooking.
Melissa Farber
Melissa has worked in the financial services industry for over 13 years. She started her career at Merrill Lynch in a variety of service and operational roles. Prior to joining Apella, Melissa worked as a Client Service Associate at two financial advisory firms in Richmond, Virginia, serving high-net-worth clients. She values providing the highest level of service and ensuring client requests are completed as seamlessly as possible.
Born and raised in central New Jersey, Melissa is a graduate of Drew University, where she majored in Political Science and played basketball. She currently resides just outside Richmond, Virginia, with her husband, two young children, and their two dogs.
About Us
At Apella Wealth, our San Rafael team helps clients nationwide find clarity and peace of mind in every part of their financial life. Our team brings more than three decades of experience to a simple, measured approach — we begin by listening to your goals, values, and priorities, then build a plan that connects today's decisions to your long-term vision.
Each relationship is grounded in fiduciary responsibility and evidence-based investing. Our approach is disciplined yet personal, combining the resources of a national, employee-owned firm with the attention of a team that has spent years helping professionals and families navigate complex financial lives.
Who We Serve
The San Rafael team provides fiduciary advice and financial life planning for:
Professionals and Their Families — Building strategies for education funding, retirement, and the long-term goals that matter most to you.
Executives and Employees with Equity Compensation — Planning around stock options, RSUs, and concentrated positions with tax and diversification in mind.
Retirees — Turning a lifetime of savings into a dependable, tax-aware stream of retirement income.
Families Planning for Education and Legacy — Coordinating college funding, estate planning, and multi-generational wealth transfer.
Our Services
Our team provides comprehensive planning and investment services across all stages of life.
Investment Management — Evidence-based, low-cost portfolios tailored to your goals and risk tolerance, with tax-efficient management, disciplined rebalancing, and values-based investing for clients who want their portfolio to reflect what matters to them.
Retirement & Income Planning — Social Security timing, distribution strategies, and sustainable income designed to last.
Equity & Stock Compensation Planning — Guidance on options, RSUs, and concentrated stock, coordinated with your broader tax and investment plan.
Tax Planning & Coordination — Tax-aware investing and planning that works alongside your CPA to improve after-tax outcomes.
Financial Life & Estate Planning — Education savings, insurance and risk review, charitable giving, and coordination of wills and trusts with your estate attorney.
Why Choose Us
Choosing the right financial partner is one of the most important decisions you'll ever make. Here's what you can expect when working with Apella Wealth:
Fiduciary duty to put your interests first
Evidence-based investing and long-term discipline, using low-cost, research-driven strategies
Deep experience with complex financial lives — from equity compensation to retirement income
Long-term partnerships grounded in transparency and trust
At Apella Wealth, the focus is always on you — your goals, your vision, and your financial future.
We are inspired by the power we have to make a positive difference in the lives of our clients and their families, and consider it an honor when someone chooses to work with us.
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