Financial Advice + Retirement Coaching = Complete Strategy
Most financial advisors focus solely on your portfolio. Most life coaches don't understand the financial side of retirement. We bring both together.
When we work with you, we address:
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Your financial security (income, investments, taxes, Social Security)
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Your life design (purpose, relationships, time, meaning)
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How those two pieces fit together
This integrated approach means you're not just financially prepared—you're ready for the whole experience of retirement.
More Than Financial Planning -A Complete Retirement Strategy
Financial
Security
Optimizing Social Security, managing retirement account withdrawals, creating reliable cash flow, and ensuring your money lasts through retirement.
Life Design
Defining what you want your retirement to look like, creating structure and purpose, navigating relationships and identity shifts, and making the transition from career to retirement. lasts through retirement.
Legacy & Impact
Planning for long-term care, coordinating estate plans, protecting what matters most, and ensuring your values guide both your money and your life.
More Than Financial Planning -
A Complete Retirement Strategy
Clarify Your Vison
What do you actually want your days to look like? What gives you purpose and energy? What have you been putting off that you finally have time for?
Navigate the Transition
How do you shift from career identity to retirement identity? How do you maintain relationships when your routine changes? What structure do you need to feel fulfilled?
Design Your Next Chapter
Where will you live? How will you spend your time? What new skills or experiences do you want to pursue? How do you stay engaged and growing?
Get Your Social Security Decision Right
Social Security is one of the most important financial decisions you'll make in retirement—and most people get it wrong. Filing at the wrong time can cost you tens of thousands of dollars over your lifetime.
But it's not just about the numbers. When you file affects your cash flow, your flexibility, and your peace of mind in those critical early retirement years.
We provide personalized Social Security filing analysis within the context of your complete retirement picture—not just "what maximizes dollars" but "what supports the life you want to live."
Topics we help you navigate
When to claim for maximum lifetime benefit
How spousal and survivor benefits work
Tax implications of Social Security income
Topics we help you navigate
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When to claim for maximum lifetime benefit
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How spousal and survivor benefits work
-
Tax implications of Social Security income
Topics we help you navigate
-
When to claim for maximum lifetime benefit
-
How spousal and survivor benefits work
-
Tax implications of Social Security income
Why Financial Planning Alone Isn't Enough
At ThreeTrees Retirement Partners, we believe retirement is about more than just having enough money, it's about living the life you've been working toward for decades.
We help people transition into and through retirement with both financial confidence and personal clarity. Whether you're five years from retirement or already enjoying it, we guide you through the financial decisions AND the life decisions that make retirement meaningful.
Most of our clients are between 55 and 70, have saved $1-3 million, and want to know their money will last while living purposefully and fully in this next chapter.
Planning Today, Preparing for Tomorrow, Prospering the Future
At ThreeTrees Retirement Partners, we believe retirement is about more than just having enough money, it's about living the life you've been working toward for decades.
We help people transition into and through retirement with both financial confidence and personal clarity. Whether you're five years from retirement or already enjoying it, we guide you through the financial decisions AND the life decisions that make retirement meaningful
Most of our clients are between 55 and 70, have saved $1-3 million, and want to know their money will last while living purposefully and fully in this next chapter.
Meet Michael Cooley,ChFC®, RICP®, NSSA®
Michael Cooley is the founder and lead advisor at ThreeTrees Retirement Partners. He brings both financial expertise and a deep understanding of the personal transitions that come with retirement.