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.
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Maximize Your Pension
Understand payout options, survivor benefits, and how to reduce taxes so you can get the most from what you’ve earned.
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Optimize Your Investments
Balance growth and stability as you transition from building wealth to preserving it.
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Understand Social Security Timing
Learn when to claim Social Security for maximum benefits based on your unique situation.
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Plan for Healthcare Costs
Create strategies for covering medical expenses, including Medicare and long-term care planning.
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Build an Income Strategy
We’ll help you turn your savings into an income source you can rely on throughout retirement.
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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.
We're not like the big-box Financial Advisors.
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Local Expertise
Decades of experience working with Tri-Cities residents and industries.
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Personalized Attention
No cookie-cutter plans—your strategy is tailored to your life and goals.
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Transparent Advice
We’re fiduciaries, which means your best interests always come first.
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
