Tonjes Financial Group

Tonjes Financial Group At Tonjes Financial Group, we help families, professionals, and business owners make confident, well-informed financial decisions.

As a fee-only fiduciary advisory firm, our loyalty is to our clients, not products or incentives.

07/17/2026

If you retired this year, or retirement is getting close, July is a good time to ask a plain question:

What is handling my taxes now that my paycheck is changing?

For years, payroll may have done a lot of quiet work for you. Federal tax withholding, state tax withholding, retirement plan contributions, health insurance, HSA contributions, all of it happened before money ever reached your checking account.

Retirement can scatter those pieces.

You may have part-year wages, a pension, Social Security, IRA withdrawals, taxable investment income, and more interest from cash or CDs than you used to. Some income may have withholding. Some may not. Some decisions may affect this year, while others may show up later through Medicare premiums or future required withdrawals.

This is not about making retirement more complicated. It is about not letting the first retirement tax year drift along on autopilot.

At Tonjes Financial Group, we help people in and around Northwest Ohio look at these decisions together: income, investments, taxes, cash flow, and the timing of retirement decisions. We are a fee-only fiduciary firm, and coordination is a big part of how we plan for our clients.

If you are nearing retirement or recently retired, an introductory meeting can be a good place to talk through what has changed, what still needs attention this year, and which questions may be worth bringing to your tax professional before year-end.

Send a message to learn more

07/10/2026

Before retirement, it can be helpful to do one small rehearsal.

Pick a month and ask: “If we were retired right now, where would our income come from, and would it feel comfortable?”

Could the monthly retirement income cover the normal bills?
Would property taxes, insurance, travel, home repairs, or medical costs still fit?
Would you want more cash set aside before the paycheck stops?
Would tax withholding need to be handled differently?
Would both spouses feel comfortable with how the income is showing up?

This kind of exercise does not answer every retirement question. But it can make the transition feel less abstract.

It can also show where the investment plan and income plan need to work together. Some money may need to be available sooner. Some may be meant for later. Some may need to keep growing. And the tax side still matters along the way.

At Tonjes Financial Group, we help people connect those pieces before the retirement transition begins.

If retirement is on the horizon, an introductory meeting can be a good place to talk through what you may want to test before the paycheck changes.

Send a message to learn more

06/26/2026

When you retire, your paycheck may stop. But your tax decisions do not.

One of the most common planning questions we help people think through is: “Where should retirement income come from first?”

For many families, the answer is not automatic. It may depend on Social Security timing, IRA balances, taxable savings, Roth accounts, pensions, charitable giving, health care costs, and what income might look like later in retirement.

A good retirement income plan should help answer practical questions like:
How much can I spend with confidence?
Which account should I draw from this year?
Will this create a tax surprise?
Should we look at Roth conversions before required minimum distributions begin?
Are my investments, tax plan, and cash flow plan working together?

At Tonjes Financial Group, we are a fee-only fiduciary firm focused on coordinated financial planning. That means we look at the whole picture, not just the investment account.

If you are approaching retirement or recently retired and want a clearer plan for turning savings into income, we would be glad to start with an introductory meeting.

Send a message to learn more

06/16/2026

One of the biggest retirement questions we hear is not always “Do I have enough?”

It is often:
“How do I actually turn what I saved into monthly income without creating tax problems?”

That is where retirement income planning gets practical.

For example, a withdrawal from a traditional IRA, a taxable account, and a Roth account may all create very different tax results. Social Security timing can change the picture. Future required minimum distributions can change it again. Medicare premiums, charitable giving, and estate planning may also be part of the same conversation.

At Tonjes Financial Group, we help clients look at those pieces together. The goal is not to make retirement more complicated. It is to avoid making decisions in separate boxes when they really affect each other.

If you are nearing retirement or recently retired and want a clearer plan for income, taxes, and investments, an introductory meeting can be a good place to start. Send a message or gives us a call at 419-423-7797.

Send a message to learn more

12/10/2025

A New Era of Planning at TFG

Where 25 Years of Trust Meets a New Standard of Precision
For more than two decades, families have trusted Tammy for one reason:
She tells you the truth, does the work, and makes your financial life make sense.
That foundation isn’t going anywhere.

But the world our clients live in has changed, markets move faster, tax laws shift constantly, and retirement has become a 30-year engineering problem, not a guessing game.

Today, you need more than an advisor. You need a system. You need a team that doesn’t just manage investments but connects every part of your financial life with intention, accuracy, and discipline.

That’s exactly why we built Tonjes Financial Group.

What Makes TFG Different?
We solve the problems most advisors ignore.
Taxes, retirement income, risk planning, planning horizons, estate alignment — everything affects everything. We treat your finances like a unified system, not a collection of scattered accounts.

Most financial plans fall apart because taxes are treated as an afterthought. At TFG, tax planning is built directly into your investment strategy, retirement income design, withdrawal sequencing, and long-term projections. With Tammy’s tax expertise and our planning process, we identify tax traps before they happen, structure portfolios with tax efficiency in mind, and give you clarity on your tax picture long before your return is filed.

We turn market uncertainty into predictable retirement income. Using a disciplined dedicated portfolio structure, we build your income then focus on market growth. Your retirement isn’t left at the mercy of volatility or market timing. Your income is engineered deliberately.

We don’t sell products. Ever.
No commissions.
No kickbacks.
No hidden incentives.
Just advice that is legally and ethically required to put you first.

We coordinate everything so you never have to play financial quarterback again. If your plan requires an attorney, insurance specialist, or tax strategy, we don’t hand you a phone number.
We organize the meetings.
We show up with you.
We integrate the advice into your plan.

The TFG Team
Tammy — 25+ Years of Trusted Tax Expertise
Families trust her because she simplifies the complex and protects them from surprises.

Brad — The Next Generation of Precision & Strategy
Engineering mindset.
Systems thinker.
Laser-focused on risk, structure, and building a planning process that works.

Together, we’ve built a firm designed to last. For you, your family, and the decades ahead.

Our Promise
We will give you:
• A plan you understand
• A strategy that matches your life timeline
• A team that answers your questions before you ask them
• A partner who is always acting in your best interest

No noise.
No jargon.
Just clarity, confidence, and a roadmap that actually works.

Your Future Deserves More Than Hope. It Deserves a System.
If you’re ready for planning that is engineered and integrated, not pieced together, reach out to us or visit tfgadviser.com to learn more.

— Brad & Tammy
Tonjes Financial Group

Call now to connect with business.

Address

815 South Main Street
Findlay, OH
45840

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm

Telephone

+14194237797

Website

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