Florida Residents: Make the Most of What You’ve Built in Retirement
Turn Years of Dedication Into A
Retirement Strategy That Lasts
With a personalized strategy designed for your goals, lifestyle & legacy.
Tax-efficient withdrawal plan tailored to your goals
Confident, legacy-focused retirement strategies
A connected advisor who puts your family first
You’ve planned well. Now it’s about what comes next.
You’re not wondering if you can retire — you’re thinking about how to do it right.
How to help draw income without regret.
How to help protect what you’ve built.
How to make it all feel clear, not complicated.
At The Tranel Financial Group, we help you turn financial preparation into a retirement that reflects your values, supports your lifestyle, and puts your family first.
Protect Your Retirement Today
Relationships That Go Beyond the Plan
We’re proud of the lasting relationships we’ve built. On average, our clients remain with us almost 2.5x longer than the industry average.
*Industry retention data referenced from Kitces Research on How Financial Planners Actually Do Financial Planning (Michael Kitces, 2019). Retention rates are estimates based on advisor survey responses and may not reflect all firms or models.
Our 4 Step Approach, Made Simple
Step One
Discovery
This first conversation is all about you — your life, your goals, and what’s on your mind about the future.
By the end, you and your advisor will understand:
- Where you are today
- What you want next
- How we can help you get there confidently
Step Two
Map & Guide
Your advisor will walk you through a personalized plan built around your goals and guided by our Five Disciplines of Financial Planning.
It outlines the next steps to align your financial decisions with the life you want — with our team supporting you at every stage.
Step Three
Faithful Watch™
Through our ongoing partnership, your advisor will keep a Faithful WatchTM over your plan – helping ensure it stays aligned as your life, goals, and the world around you change.
Whether it’s market shifts, tax law updates, or new priorities in your personal life, you’ll have a trusted advisor to help guide you through it with clarity and care.
Step Four
Dust Settle
Through our ongoing partnership, your advisor will keep a Faithful Watch™ over your plan — making sure it stays aligned as your life and the world around you evolve.
From market changes to life milestones, you’ll receive guidance to support informed decisions along the way.
Our average fee for financial planning and investment management is approximately 1%, aligning our success with your long-term growth.
Putting People Before Portfolios Since 1988
Since 1988, The Tranel Financial Group has been guided by Midwest values, genuine care, and a people-first mindset. As a family-founded firm, we focus on building lasting relationships–not just offering financial services.
Our collaborative model connects you with a full team, including CFP® professionals and dedicated support staff including our Client Delight Team. We go beyond the numbers to understand your vision and help you build wealth, protect your legacy, and live the life you’ve earned.
Roch Tranel
Founder CEO & CFP®
Financial Advisor since 1988
Tyler Braun
Director of Financial Planning
Financial Advisor since 2010
Jordan Bradford
Senior Financial Advisor & CFP®
Financial Advisor since 2015
Joey Bunton
Senior Financial Advisor
Financial Advisor since 2018
The Tranel Financial Group Historic Timeline
Get the Life You’ve Earned Plan: A Personalized Financial Strategy, Built Around You
Get the Life You’ve Earned Plan: A Personalized Financial Strategy, Built Around You
Meet with a CFP®-led team recognized nationwide for service, transparency, and award-winning leadership.
Led by our CEO, a 25-time Financial Planner of the Year at our broker dealer
Continued oversight through our signature Faithful Watch™ review process
Backed by a client delight team committed to exceptional service
Serving clients nationwide
World Leader Award recipient 11 years in a row from our broker dealer
A More Intentional Retirement Starts with a More Intentional Firm
To maintain the level of transparency & responsiveness we’re known for, we only take on a limited number of new clients each quarter. This helps ensure regular reviews and clear communication as your goals evolve.
If that’s the kind of retirement planning experience you’re looking for, let’s connect.
Design a Retirement That Reflects the Life You’ve Worked For
Request a consultation now and discover 3 powerful strategies to help grow your retirement savings today.
- A retirement clarity call with a dedicated financial advisor
- A personalized snapshot of your current financial position
- Clear next steps — no pressure, just guidance
We serve clients in Palm Harbor, Clearwater and St Petersburg, providing personalized financial planning and investment guidance tailored to their goals.
This conversation is designed to give you confidence — not just in your numbers, but in how you’ll use them to support a retirement that feels purposeful.
Fill in the form below to get 3 strategies you can use today.
Who we serve:
- Individuals who no longer have the time to manage their own financial plan.
- People experiencing major life changes like retirement, divorce, job transitions, inheritance, or the loss of a loved one.
- Families and individuals focused on generational wealth transfer and estate planning.
- Those with $100,000 or more in investable assets looking for professional guidance to help grow and protect their wealth.
Answers to the Questions We Hear Most
How can my current financial strategy impact my long-term goals?
Your financial strategy plays a key role in shaping your future. Short term impacts, such as market volatility, administration changes (every 4 years) or policy updates (potentially in foreign markets) can influence your investments and your financial strategy. Your plan should parallel your risk profile to help you navigate when these impacts inevitably happen.
The way you save, invest, and manage risks today can influence your future retirement lifestyle and legacy.
At The Tranel Financial Group, we take a holistic approach—aligning investment strategies, tax considerations, and personal goals to support long-term financial independence.
How do you protect my retirement plan from inflation and changes in financial regulations?
Inflation and regulatory shifts can impact the long-term performance of a retirement strategy. We help develop approaches designed to support purchasing power, which may include diversified investments, income-generating assets, and reviews to account for cost-of-living trends.
We also regularly monitor market trends, tax law developments, and regulatory updates to help keep your strategy aligned with current conditions. Our team stays informed through ongoing education and compliance oversight—so your plan can evolve with the financial landscape.
What are the most common financial challenges faced by retirees?
Retirees often encounter challenges such as:
- Outliving savings due to increased longevity
- Market fluctuations affecting investment portfolios
- Rising healthcare costs and medical expenses
- Tax implications related to retirement income
- Estate planning for smooth wealth transfer
We work with clients to build retirement strategies that help account for these challenges by focusing on adaptability, risk awareness, and long-term planning.
What strategies exist to help protect my retirement plan from market volatility?
While market volatility is a natural part of investing, there are ways to help manage its impact. These may include diversification, tactical asset allocation, and incorporating income-focused financial tools such as annuities. Portfolio stress testing can also help evaluate potential outcomes. At The Tranel Financial Group, we help clients develop plans designed to be resilient through changing market conditions.
How do taxes affect my retirement savings?
Taxes can significantly affect the amount of income you’re able to retain in retirement. Different income sources—such as IRAs, 401(k)s, Social Security, and investment accounts—carry different tax treatments. We help clients implement tax-aware strategies like Roth conversions, tax-loss harvesting, and withdrawal sequencing to help manage tax liabilities.
How do I plan for unexpected medical expenses in retirement?
Healthcare costs can be one of the most significant and unpredictable expenses in retirement. We help clients prepare by:
- Including projected medical costs in their financial plan
- Exploring long-term care insurance options
- Reviewing Medicare and supplemental plan choices
- Discussing the benefits of Health Savings Accounts (HSAs), where applicable
- Using Life Insurance as an option
Proactive planning can help protect your financial stability if healthcare needs arise — but because everyone’s health is different, no two plans should be, or can be, exactly the same.
What strategies can help maximize my retirement income?
A well-rounded retirement income strategy aims to balance growth potential, tax efficiency, and wealth preservation. This may include:
- Coordinated withdrawal strategies
- Utilizing dividends
- Income from diverse sources such as investments, real estate, or business holdings
- Estate and trust planning for long-term wealth stewardship
- Charitable giving strategies that may offer tax benefits
We work with clients to tailor approaches that align with their goals and financial priorities.
How does The Tranel Financial Group personalize retirement plans for high-net-worth individuals?
High-net-worth individuals often have more complex needs. We provide integrated planning that includes investment management, tax optimization, estate planning for generational wealth transfer, and risk mitigation. Withdrawal strategies are customized to reflect individual tax profiles, and legacy planning focuses on efficient wealth transfer. Knowing who and how you want to transfer your wealth will create a better experience for your loved ones.
We also regularly revisit and adjust plans to reflect evolving financial goals and market conditions.
How do you measure the success of a financial plan?
Success is about staying on track—not just achieving returns. We regularly review and update financial plans to reflect market shifts, tax changes, and life events. Our Faithful Watch™ process helps clients stay informed and confident in their long-term strategy.
How often will we meet to discuss my plan?
Our personalized communication sets us apart. Unlike many advisors, we adjust our level of engagement to match your preferences. After implementing your initial plan, we’ll proactively schedule a follow up meeting with you to review the initial performance of and next steps, ensuring ongoing clarity, long-term stability, and transparency.