Our Firm

THE FAMILY BUSINESS

Rick Tonkinson & Associates is a family business.  It is an independent financial services firm that specializes in early retirement for working people. 

It was founded to provide high quality investment advice and money management.

As an independent firm, Rick Tonkinson & Associates have none of its own financial products.  Our focus is to provide objective advice on your investments in order to help you plan for your retirement.

Rick Tonkinson & Associates works with you to develop an easy to understand and easy to live with budget.

Actually the focus is not on how much money you have, but rather on making the best use of what money you do have.  We are dedicated to helping people who have often struggled paycheck to paycheck for many years to get their financial act together before and during retirement.

We help you to prepare for retirement several years before you do by providing specific recommendations in your 401K plan based on your risk tolerance, investment experience, investment time frame and investment objective.

Rick and his family have a low key, no pressure conversations to see how we can help you.  We meet with our clients and potential clients, at their convenience, in their homes throughout the state of Florida. 

After our first meeting, we provide an easy to read summary of your financial condition, including your savings, bills, goals and a realistic time frame for you to retire comfortably.

As you get closer to retirement, Rick and his family provide: 1) a step by step, hands on guidance to rollover the sum lump pension and 401K plan into an IRA; 2) analysis of any severance options, and 3) a custom tailored investment plan.

As an ongoing service, we provide in-depth analysis of your current investments, advice on how to help protect your money against claims and guidance for inheritance and settlements.

We provide a personalized service with people who really care about you and we have a long positive and extensive relationship with retirees and employees of FPL and Bell South.

The value of education is to share what you learned with others who need it. Rick and his family have an extensive amount of finance skills that they share freely.  We educate our clients and potential clients on practical financial concepts. This includes how to become debt free and the ability to make early withdrawals from your rollover IRA without a 10% penalty. 

Quality advice should help you make quality decisions and give you the confidence that you are in control and doing things right.

Many people get real nervous about retiring.  Its a big decision.  You do not need to be overly stressed about it.  Why?  Because we are experts in the steps necessary to retire and we take you one step at the time through the process.  Consider us as your guides in your retirement process.

We give you the knowledge to retire comfortably when you are emotionally, mentally and physically prepared for your weekends to be seven days a week.

We try to help you remove a mental barrier you may have in not knowing how or when or where to retire.