Michael Tomren, NSSA® Advisor · San Ramon, CA

For nearly three decades, Michael Tomren has helped individuals and families navigate some of life's most important financial decisions. As a CERTIFIED FINANCIAL PLANNER™ professional and co-founder of Tomren & Sullivan Wealth Management in San Ramon, California, he believes good financial advice begins with understanding the people behind the numbers.

As a holder of the NSSA® designation in Social Security planning, Michael Tomren brings specialized knowledge of Social Security planning to every client relationship.

Social Security is a perfect example. On the surface, the question seems simple: When should you start collecting benefits? But the right answer can depend on considerably more than age. A married couple may need to think about the financial security of a surviving spouse. Someone approaching retirement may need to consider how Social Security interacts with Roth conversions, investment withdrawals, taxes, and Medicare premiums. And sometimes, claiming earlier rather than later makes more sense.

Michael enjoys helping people work through these decisions, understand their choices, and see how the pieces fit together. His approach is thoughtful and educational, with an emphasis on helping people make informed decisions rather than telling them what they should do.

With 29 years of financial planning experience, Michael holds the CFP®, ChFC®, AIF®, and RSSA® designations, along with a Master of Science in Advanced Financial Planning. He is also a member of Ed Slott's Master Elite IRA Advisor Group, reflecting his ongoing commitment to advanced retirement tax planning education.

At Tomren & Sullivan Wealth Management, Michael and his team have intentionally built a boutique practice centered on personal relationships. They work extensively with Bay Area professionals, longtime employees of major corporations, and families preparing for or enjoying retirement. Their philosophy is straightforward: Take the time to know people, understand what matters to them, and provide the kind of thoughtful guidance they would want for their own families.

Away from the office, Michael and his wife are proud parents of three adult children and grandparents to two grandchildren. He enjoys cycling, boating, fishing, and spending time with family, including their two Boston terriers.

For Michael, retirement planning is ultimately about more than financial calculations. It's about helping people make the most of what they've worked a lifetime to build, with greater clarity about the decisions ahead.

Contact Michael