Retirement Planning for Mayo Clinic Employees and Minnesota Families

Helping pre-retirees and retirees make confident decisions with a personalized Retirement Roadmap, 20+ years of Mayo Clinic experience, and guidance built around your goals.

Welcome to Tiarks Financial

Independent Retirement Guidance Built on 20+ Years of Experience

Retirement can feel overwhelming when multiple decisions arrive at once. You may be wondering whether you're on track, when to claim Social Security, what to do with your 403(b), or how your pension fits into the bigger picture. Tiarks Financial helps individuals and families across Southeast Minnesota navigate these decisions with a personalized process designed to replace uncertainty with clarity. With more than 20 years of experience serving Mayo Clinic employees and retirees, we help you understand your options before important decisions become permanent.

We proudly serve families throughout Pine Island and nearby communities including Rochester, Owatonna, Austin, Faribault, Albert Lea and beyond.

Planning With Real Numbers

Instead of guessing whether you're ready to retire, you'll see how your accounts, income sources, and goals work together through a probability-of-success model.

20+ Years With Mayo Employees

When your retirement includes a pension, Fidelity 403(b), and retiree benefits, experience with those specific programs helps make decisions clearer.

No Minimum Asset Requirement

You can get professional retirement guidance without worrying about account minimums or being treated differently because of portfolio size.

Independent Advice

Recommendations are based on your situation, retirement goals, and income needs rather than where assets are held.

One Team for Retirement Questions

Retirement income, pensions, Social Security, Medicare, and life insurance decisions are coordinated under one roof so you receive consistent guidance.

Our Process

Many people delay retirement planning because they aren't sure where to begin. We use a simple framework that helps organize your financial life into a clear plan.

Discover

We start with a conversation to understand your goals, accounts, benefits, and concerns.

Evaluate

We model retirement decisions, income strategies, pension elections, and benefit choices using your specific numbers.

Plan

You receive a personalized Retirement Roadmap Plan designed to help you understand where you stand today and what steps come next.

Services That Bring Order to Retirement Decisions

Mayo Clinic Employee Planning

Many employees don't realize they can work with an independent advisor while still employed. We help Mayo employees understand their 403(b), pension, retiree benefits, and retirement transition options.

Retirement Planning

The years leading up to retirement often involve more financial decisions than any other stage of life. Our Retirement Planning process coordinates income, healthcare, benefits, and investments into one clear strategy.

403(b) Planning

Many Mayo Clinic employees stay on autopilot inside their 403(b) for years without reviewing allocations or contribution strategies. We help evaluate investment elections and retirement readiness while you're still working.

Pension Planning

Choosing between a lump sum and monthly pension payments is one of the most important retirement decisions you'll make. We model the outcomes before you file paperwork so you understand the tradeoffs.

Retirement Income Planning

Turning savings into a reliable retirement paycheck requires more than simply withdrawing money. We help coordinate pensions, Social Security, investment accounts, and spending needs into a sustainable income strategy.

Medicare Planning

Enrollment deadlines, coverage choices, and income-related premiums can create unnecessary stress. Our dedicated Medicare advisor helps you understand your options and avoid costly mistakes.