Retirement Planning

At Tennant Financial, retirement planning isn’t just about saving—it’s about creating a strategy that works for your entire financial life. Our approach goes beyond accumulation to include comprehensive financial planning and distribution planning, seeking to ensure your wealth lasts throughout retirement.

Most advisors spend little time on distribution planning because it’s complex and time intensive. Here’s why: retirees often have multiple income sources—individual or joint investment accounts, IRAs, Roth IRAs, 401(k)s, Social Security, pensions, deferred compensation plans, and more. Add in part-time work, annuities, cash-value life insurance, future inheritances, and proceeds from downsizing a home or sale of a business, and planning becomes complicated quickly. On top of that, every state has its own rules, and Congress continually changes tax laws.

You’ve worked hard to build your assets and create multiple streams of income. Our financial advisors specialize in helping you keep more of those dollars in your pocket—through smart tax strategies and personalized planning—so you can enjoy the retirement you’ve envisioned.

Search online and you’ll find endless opinions on whether to claim Social Security at 62, wait until your full retirement age, or hold off until 70 to maximize benefits. While timing is important, Social Security is only one piece of a much larger puzzle.

At Tennant Financial, our financial advisors take a holistic approach to help you understand how this income stream fits into your overall retirement plan. We consider factors like longevity, tax implications, other income sources, and your lifestyle goals to ensure Social Security works in harmony with your broader financial planning strategy—giving you confidence and clarity for the years ahead.