ThreeTrees Retirement Partners is an Ann Arbor, Michigan, retirement planning firm serving pre-retirees and retirees, particularly those with $1 million to $3 million in savings. Founded by Michael Cooley, the firm helps clients navigate the financial and personal decisions involved in retirement, with a focus on turning accumulated savings into reliable, tax-efficient income. Its Three Trees Framework organizes assets across three time horizons: liquid cash for current needs and emergencies, a protected income foundation for the next decade, and growth investments for longer-term needs.

The firm also provides personalized Social Security filing analysis, considering claiming choices, spousal and survivor benefits, taxes, and their effects on retirement cash flow. Clients can explore portfolio exposure through a complimentary risk assessment, attend educational seminars, or schedule a consultation. Michael Cooley holds ChFC®, RICP®, and NSSA® designations, with expertise focused on retirement income and Social Security planning.

ThreeTrees Retirement Partners serves clients in Ann Arbor and Washtenaw County, helping them assess when they can retire, whether their resources may last, and how to manage taxes