Educating the Carolinas


Timothy C. Flanagan, Jr., CLU, ChFC, CFP®, ChSNCTM



Tim leads HF Financial, representing the third generation of his family in the business of helping others with financial services and insurance.

His career with MassMutual began in 1989 in Philadelphia. In January 2004 he took over as leader of HF Financial, one of the largest and oldest financial services firms in Charlotte. Under Tim's leadership, the firm has experienced substantial growth and expanded its service area to include the Greater Charlotte metro, Greensboro, Winston-Salem, Wilmington, as well as Greenville and Columbia, S.C.

"I think what I cherish most here is the daily opportunity to work with a group of people who are so passionate and caring about making a difference in peoples lives. We serve our clients by protecting what they love and care about most. Making a purposeful connection with each client and bringing them financial confidence is what it's all about. We succeed when they achieve the ability to live the life they have always dreamed."

Tim considers his greatest blessing to be his family. He married his college sweetheart, Jeanine, and together they raised two wonderful children both of whom now live in Charlotte. "Jeanine is my biggest supporter and fan and of course the feeling is very mutual."

His passion for helping others extends beyond business as is best demonstrated in Hands and Feet a foundation his firm established to serve the community in working with multiple community service organizations including Urban Ministries, Camp Blue Skies, Patriots Path and End Slavery in Charlotte. He is also involved in LifeBridgeSM a free life insurance program for income-eligible families that is designed specifically to help children who might otherwise be deprived of an education if a parent passes away. Through the program, HF Financial has provided $14.95 million in free* life insurance to eligible families.

Tim also sits on the Board of Directors for Patriot's Path and the Board of Advisors for the Charlotte Chamber of Commerce. He is also a member of MassMutual's Field Advisory Council, a member of the Charlotte Uptown Rotary and of C12. He has also been a member of the Advisory Board for the Belk College of Business at UNCCharlotte.

His community involvement led to his being recognized as one of the "40 Under 40" leaders in the Charlotte market by the Charlotte Business Journal. In addition, his firm has been recognized four times among Charlottes "Best Places to Work" for mid-sized companies.

Some of Tim's favorite mottos which he created, borrowed and learned are what he follows in life and in work:
Created Motto: "The hard way becomes the easy way."
Borrowed from the U.S. Navy Seals: "The only easy day was yesterday."
Learned Motto: "Remember God, choose love, create value."

A graduate in Finance and Business from Cabrini College in Radnor, PA, Tim also completed the Executive Development program at the Darden Business School, University of Virginia, Charlottesville, VA.

He is licensed to sell insurance in: AL, CA Insurance License #0E42766, FL, GA, KS, KY, LA, MN, MT, NC, NM, PA, SC, SD, TN, TX, VA, VT, WI and securities in: NC, SC, GA, VA, OH.

*MassMutual pays the premiums (1/13/2017).