Retirement and Estate Planning for Germantown Families
Our office is right here in Germantown, on Exeter Road near Farmington Boulevard.
We help Germantown families plan for retirement income, taxes and the legacy they want to leave, starting with education, not a sales pitch.
What we help with
Most of the families we meet in Germantown are within ten years of retirement or already retired. The questions usually fall into four areas.
Retirement income
Turning savings into a steady paycheck, Social Security timing and the order you draw from each account.
Taxes in retirement
Required minimum distributions, Roth conversions and keeping more of what you have saved.
Wills, trusts and legacy
Wills, living trusts, powers of attorney and beneficiary designations.
Wealth management, insurance and long-term care
Investment advisory services through our affiliated advisor, life insurance, and a plan for care before you need it.
Why a Certified Financial Fiduciary
A fiduciary is obligated to put your interests first. For Germantown families, that means recommendations should fit your goals, not a commission schedule.
R. Renee' Kennedy has held the Certified Financial Fiduciary (CFF) designation since 2020, issued by the National Association of Certified Financial Fiduciaries. See what it means and how to verify it.
Free Will & Trust workshops near you
Our Will & Trust Educational Workshops are held at The Great Hall & Conference Center, 1900 S. Germantown Road, just a few minutes from our office.
Upcoming Mondays at 6:00 p.m.: October 26, November 9, November 16, December 7 and December 14. Free to attend, and family and friends are welcome.
To save a seat, call 901-508-2433 or visit the Upcoming Events page.
Planning in Tennessee
A few Tennessee rules shape how Germantown families plan.
No state tax on wages, and no inheritance tax.
Tennessee does not tax wages, its Hall tax on interest and dividends ended in 2021, and the state inheritance tax was repealed in 2016. Federal taxes still apply, so planning still matters.
Probate happens in Shelby County.
If a will goes through probate here, it goes through the Shelby County Probate Court. Assets held in a living trust generally pass outside of probate.
Common questions from Germantown families
Where is your office?
1942 Exeter Road, Germantown, TN 38138.
Can my adult children come to a meeting?
Yes. Many families bring a son or daughter, especially when the conversation turns to wills, trusts and who will help if something happens.
Do I need to be retired already?
No. Many people come in five to ten years before retirement, when there is still time to make choices about Social Security, taxes and savings.
Next step
Have a question about your own situation? Book a free retirement review or call our Germantown office at 901-508-2433.
You can also ask for a free Income & Tax Assessment Report, a clear picture of where your income and taxes stand today.
Learn more
Retirement distribution planning
Upcoming Will & Trust workshop dates
This page is general education, not advice for your situation. AAA Life Solutions is not a CPA firm or a law firm and does not provide tax or legal advice. Please consult a qualified professional about your own circumstances.
Some of the companies we utilize for various client needs include:
Investment advisory services offered through Brookstone Wealth Advisors, LLC (BWA), a registered investment advisor and an affiliate of Brookstone Capital Management, LLC. BWA and AAA Life Solutions are independent of each other. Insurance products and services are not offered through BWA but are offered and sold through individually licensed and appointed agents.
The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.
