Retirement Planning & Pension Strategies

Retirement shouldn’t feel like a leap into the unknown. Whether you're a few years from retirement or already retired, you’ve likely been thinking about how to make your savings and pension work best for you—or considering a new strategy altogether. Between the fine print, fluctuating markets, and the overwhelming number of options, planning for retirement can feel like a full-time job.

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(509) 783-2040

Planning for retirement? We Can Help.

At 3 Rivers Financial Group, we’ve spent nearly 30 years helping people in Tri-Cities—just like you—create retirement strategies that fit their goals. Whether you’re a Hanford worker, part of a local union, or just someone looking to optimize your nest egg, we bring small-firm service backed by large-firm expertise to help you feel secure in every decision.

 

  • Maximize Your Pension

Understand payout options, survivor benefits, and how to reduce taxes so you can get the most from what you’ve earned.

  • Optimize Your Investments

Balance growth and stability as you transition from building wealth to preserving it.

  • Understand Social Security Timing

Learn when to claim Social Security for maximum benefits based on your unique situation.

  • Plan for Healthcare Costs

Create strategies for covering medical expenses, including Medicare and long-term care planning.

  • Build an Income Strategy

We’ll help you turn your savings into an income source you can rely on throughout retirement.

  • Navigate Union-Specific Benefits

If you’re part of a local union or a Hanford worker, we’ll simplify the details of your benefits package and show you how to make the most of it.

3 Rivers Financial Group team working together at a conference room table

We're not like the big-box Financial Advisors.

  • Local Expertise

    Decades of experience working with Tri-Cities residents and industries.

  • Personalized Attention

    No cookie-cutter plans—your strategy is tailored to your life and goals.

  • Transparent Advice

    We’re fiduciaries, which means your best interests always come first.

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Questions about retirement planning? Read our FAQs

When should I start retirement planning?

It’s never too early or too late to start. But if you’re nearing retirement or have already retired, now is the perfect time to fine-tune your plan.

How do I know if my pension plan is enough?

We’ll analyze your pension and other income sources to ensure they support your retirement lifestyle.

Can you help if I don’t have a pension?

Absolutely! We work with all types of retirement income strategies, from 401(k)s to IRAs and beyond.

How do you handle market volatility?

Our goal is to build a balanced portfolio that minimizes risk while still offering growth potential—no matter what the markets do.

Do you charge commissions?

No. As fiduciaries, we provide fee-based advice, so you never have to worry about hidden agendas or surprise costs.

Retirement planning Resources

Travis Morrow pointing at a financial chart