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“The question isn’t what age I want to retire, it’s at what income.”
George Foreman

Retirement Investing

Retirement Planning in Minnetonka, MN, or wherever you are | Are You Retirement Ready?
Without a clear roadmap, the journey into retirement can feel uncertain and overwhelming. A well-structured, up-to-date retirement strategy—guided by an experienced financial team—can help make the road ahead more confident, clear, and manageable.

At Tonka Financial Services in Minnetonka, Minnesota, we help individuals and families turn uncertainty into clarity with personalized, strategy-driven retirement planning.

Ask Yourself These Important Retirement Questions

  • What is a strategy-driven retirement plan—and do I have one?
  • What is my current advisor’s strategy for my retirement income and taxes?
  • Am I truly retirement-ready, or just hoping I am?
  • What’s my retirement number—and do I know how to reach it?

If you’re unsure about any of these, you’re not alone—and that’s exactly where we can help.

Strategy-Driven Retirement Planning That Works for You
At Tonka Financial Services, we understand the many concerns that come with preparing for retirement—whether you’re 15 years away or already retired.

Our approach is built around:

  • Income Planning – Turning savings into a reliable retirement income
  • Tax-Aware Strategies – Helping reduce unnecessary tax burdens
  • Investment Alignment – Matching your portfolio to your goals and risk tolerance
  • Ongoing Guidance – Adapting your plan as life changes
    We don’t believe in one-size-fits-all solutions. Every retirement strategy is custom-built around your goals, lifestyle, and vision for the future.

Consider getting a second opinion on your retirement

How we can Help
~Starting Out~<br />First Steps to Smart Investing

~Starting Out~
First Steps to Smart Investing

Determining the right fit for your money is the best place to start.  We take the time to understand your needs and goals to get you the best strategy for success.

Steps for Smart Investing


~Getting Started With Us~

First we get a clear understanding of your situation, wants & needs.  Then we engage you in our process.

How We Advise


~Living in Retirement~

What happens now?  
You did the work, now put it to good use.

Next Steps
-Tonka Financial Utilizes ATS Software-

-Tonka Financial Utilizes ATS Software-

The ATS software can be utilized as a stand-alone financial planning tool to illustrate a "roadmap" to retirement for clients, or as an effective implementation tool for other financial planning softwares.

What's the "ATS" Strategy?

To answer any questions, or to schedule for a free assessment of your situation, please fill out this form.

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Important Birthdays Over 50

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How Women Can Prepare For Retirement

Are women prepared for a 20-year retirement?
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What Rate Would I Need to Earn on My Savings?

What Rate Would I Need to Earn on My Savings?

Work backwards from your savings goal to find the rate of return you'd need to get there.
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