our Korean and Vietnam Vets. “In 2011 I was honored by Eglin Air Force 
Base for having the courage to change their policy of a Fortune 500 company 
(UBS/PaineWebber) to support our reservists for longer than the traditional 6 
months,” said Tim. “This was due to one of my employees, a Green Beret Army 
Ranger, who was about to lose his book of business and benefits. In February 
of this year, I arranged for the Collings Foundation to add a Destin stop in their 
Wings of Freedom Tour; they have a B24, a B17, a B25, and a P51 on display.  I 
was so excited to hitch a ride on the B24 (my dad flew 51 missions in one) with 
some of my Crispy Warrior buddies including a 99-year-old WWII Vet. Josh, 
my 13 year old stepson, skipped school and came along.”

Tim believes part of success comes from investing in oneself, and that doesn’t 

mean buying fancy watches or shoes. “I am a huge fan of self-help books and 
cassettes,” he laughed. Zig Ziglar said, “If you help enough people get what 
they want, you will always get what you need!” Tim believes you must always 
put the client first and magically, you will be rewarded more often than not. Tim 
finds that he is most content spending time with his family. “Jill and I have six 
children between us and it’s always a blast to get them together. Their ages range 

from 13 to 38 and now I have my second granddaughter on 
the way,” he exclaimed. Tim is always ready for an adventure, 
whether it is on a Harley or a bicycle. He enjoys being outside 
and fishing, sometimes underwater with a spear gun.  Above 
all else, Tim is known for being a man of his word, when he 
tells you he is going to do something, it will get done. 

Krueger, Fosdyck &Associates is located in the 

34990 Emerald Coast Parkway, Destin Commerce Center 

(formerly BB&T Bank Building) on the 4th floor.

850 269 7003

July 2018   |   35

photo by 

Zhalman Harris

34-35 profile - Tim Krueger - Merrill Lynch .indd   2

6/25/18   12:45 PM