Find Out How

Escape Financial Anxiety,
Enjoy Financial Security in Your Retirement

We work with families and individuals who are worried that they won't have enough money to live the retirement they want, are concerned about market volatility, and want to reduce current and future taxes.

TIMLI(TM) Logo

We serve by building and implementing your
TIMLI™ Retirement Plan to keep your retirement on time and on track.

[TIME•LY [ pronunciation ] /ˈtīmlē/
A proprietary retirement planning system and process that consists of tax reductions, income calibration, medical benefits, legacy enhancement, and investment improvement to optimize your finances and ensure you a secure and successful retirement.]

T

Tax

We implement comprehensive strategies to significantly reduce your taxes now, in retirement, and in your estate.

I

Income

We develop a precise plan to generate abundant income for you as you head into and then enjoy your retirement, while at the same time guarding against exhausting your investments.

M

Medical

We find the best medical insurance, Medicare supplemental, and long-term care plans to both ensure quality care and to protect your wealth.

L

Legacy

We work to maximize both the size and the longevity of the financial legacy you leave to your loved ones and favorite charities with a secure and efficient wealth transfer plan.

I

Investments

We optimize the performance of your investments and savings vehicles, minimizing or eliminating management or fund fees, while maintaining a keen focus on principal protection.

Get Your TIMLITM Retirement Plan

Testimonials

Our experience has been excellent. We like that we can monitor all of our funds in one place at any given time to see what's happening. We are happy with our returns. We are beating inflation. Nothing we had before beat the returns we are getting now. It's coming along very well. I appreciate the attention and they are always there for us. When we leave a message they are very fast at getting back to us. It's hard to beat their service. We have a lot of confidence and faith in their team.
- Nute & Mary Alice N. -
Having grown up in the Midwest, I learned to trust most people and that a hand shake is almost as good as a notarized contract. Then I moved to California and found a slightly different scenario. When I met Gaby and Tony, I felt like I was back home again. Their friendly and warm patience and understanding made my wife and I immediate fans. We have been so impressed with their superb knowledge and foresight, that we had complete trust in their advise.
- Ron H. -
Organized and helpful, it makes me feel more at ease to be in a much better financial place financially to be prepared for retirement. We were clueless and thought it was a big topic to try to figure out everything. You are a one-stop shop for molding the financial part of retirement.
- Harold W. -
From the very first conversation, the team was committed to making our retirement plan the best it could be. Thanks to their collective and expert knowledge in financial planning, taxation and wealth management strategies, we will be able to enjoy our retirement years well situated to weather our current economic uncertainties. They were able to take our mix of financial accounts and craft a singular retirement plan that maximizes our investments and provide sound tax strategies protecting our hard earned dollars. We can not thank NIM Financial Group enough for creating peace of mind as we enter into our new chapter of life.
- George & Sheryl P. -
I love everything NIM does. For somebody who is not sure about retirement finance, I would never have figured out how things would benefit me the most. I was even more unsure while going through a lot of research and information and not understanding most of it. Talking to the NIM team on the phone since the first time, they have helped me out so much. This is the best experience I have ever had, most definitely. I highly recommend NIM to anyone that’s looking into retirement. I have recommended NIM to all my friends at work. P.S. Gaby is my favorite person!
- Timothy A. -
Very professional. They recommended insurance In May if S&P goes up I prosper. If it goes down my investment is guaranteed. The S&P has declined 12% since. 
- Russellreno L. -
Gaby has been so helpful getting our 401K funds moved. She has been available when I needed her and explained everything very well. She is a positive thinker and easy to work with.
- April and David S. -

Reviews

James Alvernaz Review
James Alvernaz
December 4, 2024
Both my wife and I have been very pleased with the great service we have been getting from NIM Financial group .And planning to send them a lot more buisness there way.I have given all our trust in these wonderful people and have been very pleased in all the hard work they do for us and are in for a great retirement.Special thank you to Gaby and Tony for all they have done for us and what they will be able to do for you as well .Thanks again James and Cherie 11/27/24
...Read More
Review Posted On:
Scott Nishioka Review
Scott Nishioka
November 26, 2024
I met with NIM about 2.5 years ago. Thought I had a good retirement plan, but Gabby & Tony refined it to be so much more. They also set up a long-term health plan for my golden years. I was even able to retire early. NIM will make a plan for each individual/family situation. They care.
...Read More
Review Posted On:
Robert Olague Review
Robert Olague
November 22, 2024
Transitioning to retirement gave us lots of things to consider. Gaby and her team helped guide us and gave us confidence that we were ready for the next step in our lives. Thank you for helping us continue on our journey!
...Read More
Review Posted On:
Robert Baclagan Review
Robert Baclagan
November 20, 2024
Gaby and team have been great! I went from my retirement funds sitting and making little money (conservative) to having Gaby and team take over my accounts and reinvest and start building more wealth. I am 100% sure that I'll be comfortable in retirement with the partnership I have built with NIM. They are a great bunch of people and really know their stuff. Believe me, get on board with NIM and live your golden years to the fullest. Highly recommend.
...Read More
Review Posted On:
Angel M. Orellana Review
Angel M. Orellana
November 9, 2024
I was initially very hesitant about investing, especially as a first-time investor with no experience in this area. I did extensive research and interviewed five different companies, but one by one, I ruled them out. Either they felt overly focused on my money rather than my goals, were too pushy, or didn’t take the time to make me feel comfortable. When I finally connected with Gaby at NIM Financial Group, the experience was entirely different. She was genuinely informative, taking the time to answer my questions without any pressure. Gaby instilled a sense of trust from the very start, but I wanted to do my due diligence, so I checked their Better Business Bureau rating and was pleased to see an 'A+' score. Still, I wanted more reassurance, so I asked Gaby if I could speak to some of her clients. Without hesitation, she connected me with a few clients, and their positive experiences only confirmed what I’d hoped, I had found a team I could trust! To solidify my decision, I requested a meeting at their office, and Gaby welcomed my family and me warmly. We had a thorough discussion, and I left that meeting with complete confidence that my investment would be well-managed. Since then, I have recommended Gaby and NIM Financial Group to all my friends and family. For anyone looking for a trustworthy and professional investment company, NIM is the team to rely on. They go above and beyond to make sure clients feel secure, informed, and valued every step of the way.
...Read More
Review Posted On:
Jacqueline Carter Review
Jacqueline Carter
July 26, 2024
I thought I had a good retirement plan until I met Gaby. Gaby has extensive knowledge about retirement planning and is a consummate professional. Gaby carefully covered areas that I had not fully considered and ensured that I understood everything that she was doing. She has created a plan that makes me feel confident about the future. Gaby also exudes warmth and caring that makes me feel that I'm more than just a client. I look forward to a long and rewarding relationship with Gaby and her excellent team.
...Read More
Review Posted On:
Kevin Steele Review
Kevin Steele
July 22, 2024
I am happy to have Gaby and her awesome team guiding us with our financial investments and preparing for our future. Every meeting, phone call and zoom call has be of high value, a learning experience, we trust Gaby the Team and NIM greatly and we look forward to moving forward in this Journey
...Read More
Review Posted On:
Tina Amaya Review
Tina Amaya
July 21, 2024
Gaby Mechem and her team at NIM have been so wonderful and helpful to me and my recently retired husband. We didn’t know what to do with our 401K’s, and all of our scattered accounts. She has a way of explaining retirement options that we can easily understand. We’ve learned a lot and feel we are in a much better and secure place facing our future. We feel like Gaby really cares about us and we’ve developed a great relationship with her and the NIM Team.
...Read More
Review Posted On:
Melanie Steele Review
Melanie Steele
July 17, 2024
The team at NIM Retirement has been amazing to work with to set my retirement income and know that I'm good, no matter what happens with the market. They are so patient with me as I'm not a specialist in this area and they make me feel secure. Excellent service and so darn nice.
...Read More
Review Posted On:
lorna ho Review
lorna ho
July 16, 2024
Gaby and Tony are professionals who not only know their product and investments for retirees but are the best people. We trust them and feel like they are friends. I would highly recommend their services.
...Read More
Review Posted On:
G Brown Review
G Brown
July 2, 2024
Was approaching retirement and my ex-financial advisor didn’t have a plan for me. I talked to Gaby and her team and switched my IRA over to them. They had a solid plan for retirement with solid returns, but safeguarded should the stock market crash. They made me aware that you should position the funds in your IRA many years ahead of retirement. Don’t wait until it’s too late.
...Read More
Review Posted On:
Christal Smith Review
Christal Smith
June 4, 2024
In the often overwhelming and vastly unmapped jungle of retirement planning Gaby is a shining light, a trusted guide and an ever-ready friend. Everyone in my circle already knows how strongly I recommend her services, now I am sharing her with the world. Give her a call and take retirement planning worries off your to-do list. If only the rest of aging were this simple!
...Read More
Review Posted On:
Dimitrios Arhondopoulos Review
Dimitrios Arhondopoulos
October 3, 2023
Hello there Mrs. Gabriela , thank you very much for been there ,thank you for such a exemplary company NIM and thank you so very much for having such a incredible super helpful people in your team ,Mr. Tony Olibas is great ,Mr. Martin Garcia is great Thank you so very much ,I appreciate you very much !!!!!!!!
...Read More
Review Posted On:
Dawn Gerst Review
Dawn Gerst
July 27, 2023
I came to know of NIM Retirement from a true, trusted friend. I was needing help with pension, 401k and stock investments. Gabby, Martin and Tony were the ones who helped me. All three members have exceptional knowledge in their field and are patient & very understanding. I am extremely grateful for all their expertise while navigating me thru my journey in uncharted waters.
...Read More
Review Posted On:
Robin Coin Review
Robin Coin
October 1, 2022
Gaby is so knowledgeable and the whole team at NIM is courteous and kind. Getting my retirement plans in order has been a long time coming, but once I got serious with NIM it was quick and easy. I'm not worried about my 401k any more!
...Read More
Review Posted On:
Gary Hughes Review
Gary Hughes
August 15, 2022
I had no idea how to retire , what was involved , NIM explained every detail in what to expect, every question I had the details of what to expect, NIM are always available for questions I may have . They are very involved with me to what to do farr as future is concerned, I would highly recommend Gabby, and Tony for your retirement future
...Read More
Review Posted On:
Tim Montoya Review
Tim Montoya
August 5, 2021
very good people to work with.....made my experience exceptional.
...Read More
Review Posted On:

Nationwide Publicity

NBC LogoUSA Today LogoFOX LogoCBS LogoABC LogoDigital Journal Logo
US News LogoWTOP News LogoCSS Underscored LogoFA Financial Advisor LogoInvestors Business Daily Logo

Associations - Certifications

CFF DesignationMDRT Top of the Table MemberEd Slott's Master Elite IRA Advisor GroupNEA LogoNSSA CertificateBBB Accredited Business Logo

One You - One MISSION - One TEAM

Gaby Cheng Mechem

President

Author, Speaker, Educator, Advisor

CFED® CFF® CRPC® NSSA®

James Jurica

Registered Investment Advisor

CFP® CLU® CHFC® RICP®

Ryan Molesworth

Advisor

& Planning Specialist

Jimmy Diep

Advisor

Tony Olibas

Client Service Specialist

Steve Hamje

Client Communication Specialist

Mark Myers

Tax Planning Specialist

Yen Zhang

Office Manager Executive Assistant

Zubia Ahmad

Case Manager

View Full Team Info

GIVING BACK

We strongly support children, both in need and with exceptional talent. Our children are our future. Our children's health, strength, and education will determine how strong and prosperous our society will be. By supporting our children and those approaching and in retirement, we complete and honor the circle of life.

Children's Miracle Network Hospitals

childrensmiraclenetworkhospitals.org
Childrens Miracle Network Hospital Logo

Hillbrook School

hillbrook.org
Hillbrook School Logo

Milpitas Community Education Foundation

mceefoundation.org
Milpitas Community Logo