Timothy Perniciaro, Agent with New York Life

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Horsham, PA
Timothy Perniciaro, Agent with New York Life

Agent Licensed to sell insurance through New York Life Insurance Company I am not licensed in all jurisdictions.

I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions. Neither New York Life Insurance Company, nor its agents, provide tax, legal,

or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success.

100 Witmer Road -
Suite 100
Horsham, PA 19044-2382

01/26/2026

Looking for a little more certainty with your money?
Check out this guaranteed interest rate.
Contact me today!

01/22/2026

Viral savings trends can be tempting, but not all of them work. This article from Yahoo Finance breaks down the 2025 money trends that helped people save smarter, and the ones that are better left in the past:
https://yhoo.it/4jPTRUC

Want to talk about building a savings approach that actually fits your life? Let's connect.

01/19/2026

Martin Luther King Jr. believed that everyone can be great because everyone can serve.

On this MLK Day, we honor his legacy by recommitting ourselves to service, compassion, and making a meaningful difference in the lives of others—one family, one community at a time.

Let’s continue striving to build a more just and hopeful future together.

01/01/2026

Wishing you a very happy New Year!

12/30/2025

Thinking about retirement someday — or sooner than someday? CNN’s new list of the best retirement destinations for 2026 shows how far your money (and lifestyle) can go around the world:
https://cnn.it/3MY5ooI

If it sparks ideas, let’s talk about how to build a strategy that supports the retirement you imagine. I’m here to help you explore your options."

12/18/2025

Feeling a little post-Thanksgiving money regret? You’re not alone. This quick read breaks down why holiday spending sneaks up on so many of us — and how simple, judgment-free steps can help you regain control.
https://bit.ly/3YysAvZ

Want financial guidance tailored to your situation? Reach out anytime. I’m here to help you design your next move with confidence.

12/15/2025

Proud to share that I’ve officially earned the Retirement Income Certified Professional®️ (RICP®️) designation! 🎉

This milestone means a lot to me. Before becoming a financial professional, I spent 16 years in professional kitchens—where preparation, timing, and consistency matter more than anything.

Funny enough, those same principles apply directly to retirement income planning.
Just like in a kitchen, retirement success comes from:
🔪 Careful prep work
🔥 Managing risk before it boils over
🧂 Balancing all the ingredients—taxes, market returns, inflation, healthcare, and longevity
🍽️ And making sure the final result is something you can enjoy

This designation gives me deeper tools to help clients protect their income, reduce taxes, and build retirement plans that actually last.

Huge thanks to The American College of Financial Services.
If you ever want a second set of eyes on your retirement strategy—or just want to talk shop—I’m always here to help.

Address

100 Witmer Road #100
Horsham, PA
19044

Website

http://www.newyorklife.com/

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