Tomren & Sullivan Wealth Management

Tomren & Sullivan Wealth Management We specialize in fiduciary financial planning and retirement strategies for pre-retirees and high-net-worth tech and utility company professionals.

Our financial advisor team welcome you to our San Ramon office when the time is right! This communication is strictly intended for individuals residing in the states of AK, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, LA, MA, MI, MN, MO, MS, MT, NC, NJ, NV, NM, NY, OH, OR, SC, TN, TX, UT, WA, WI, WV, WY. No offers may be made or accepted from any resident outside these states due to various state r

egulations and registration requirements regarding investment products and services. The representatives of Tomren & Sullivan Wealth Management are registered representatives with, and securities offered through LPL Financial, Member FINRA/SIPC. Tomren & Sullivan Wealth Management and LPL Financial are separate entities.

12667 Alcosta Blvd., Suite 355
San Ramon, CA 94583-4324
Phone (925) 830-1700 // (800) 480-8740 | Fax (925) 380-6555

Feeling fancy after our new sign went up outside the office!Moments like this are a good reminder of the growth we've se...
09/03/2026

Feeling fancy after our new sign went up outside the office!

Moments like this are a good reminder of the growth we've seen as a firm and the relationships we've built along the way. Whether you've been with us for years or you're just getting to know Tomren & Sullivan, we're grateful you're part of the journey.

If you're curious about who we are and how we work with clients, take a look around our website: tomrensullivan.com

Happy Birthday to our very own Julia Maldonado! 🎉Our Future Advisor Intern is celebrating today, and the Tomren & Sulliv...
09/01/2026

Happy Birthday to our very own Julia Maldonado! 🎉

Our Future Advisor Intern is celebrating today, and the Tomren & Sullivan team wanted to wish her a fantastic birthday. Julia brings great energy to the office every day, and we're lucky to have her on the team.

Enjoy your day, Julia! 🎂

🎉We are excited to introduce Zac Byrd, the newest member of our team!Zac brings extensive experience in marketing, along...
08/31/2026

🎉We are excited to introduce Zac Byrd, the newest member of our team!

Zac brings extensive experience in marketing, along with a strong commitment to building meaningful relationships and being actively involved in the community.

We are excited to have Zac on board and look forward to the knowledge, energy, and fresh perspective he will bring to our firm and the clients we serve.

When Zac is not in the office, you can usually find him out on the golf course or relaxing with a good movie!

Please join us in giving Zac a warm welcome. We are thrilled to have him as part of the team and look forward to all that he will contribute! 👏

Two retirees can hit the exact same average return over 30 years and end up in completely different financial positions....
08/27/2026

Two retirees can hit the exact same average return over 30 years and end up in completely different financial positions. Why? Timing.

An early market downturn in retirement can do far more damage than one hitting later. That's sequence-of-returns risk, and it's easy to misunderstand.

A strong retirement strategy looks past average returns and addresses:
🔹 Where income will come from.
🔹 How much cash or short-term reserves make sense.
🔹 Which accounts to draw from first.
🔹 When to rebalance.
🔹 How RMDs and Social Security fit into the withdrawal strategy.

Sequence-of-returns risk rarely makes headlines, but for anyone entering retirement, it can be one of the most important ideas to understand.

More people are turning to AI for financial questions. With tools like ChatGPT now integrating with bank accounts, perso...
08/25/2026

More people are turning to AI for financial questions. With tools like ChatGPT now integrating with bank accounts, personalized financial guidance can feel just one prompt away.

AI is useful for organizing information, modeling scenarios, and quickly answering technical questions, but it can't sit with you when the market drops to help decide next steps.

It doesn't know your family dynamics, health concerns, or what actually makes you feel confident in a decision. That is where human guidance still matters. 🧠

🤝 Vanguard’s long-running Advisor’s Alpha research found the most valuable part of an advisor relationship isn't stock picking or market timing, but the behavioral coaching.

There's a difference between leaving money to your family and giving it to them.One happens after you're gone. The other...
08/20/2026

There's a difference between leaving money to your family and giving it to them.

One happens after you're gone. The other lets you see the impact.
The annual gift exclusion is one straightforward way to do the latter.

For 2026, the IRS says that each person can give up to $19,000 per recipient, free of gift tax. A married couple can combine up to $38,000 per recipient, with no gift tax return required and no reduction to the lifetime exemption.

For example, a couple with two adult children and four grandchildren can transfer up to $228,000 this year under the current rules.

Done consistently, annual gifting can help manage a taxable estate while putting money to work for the people you care about, now.

🎁 If you haven't reviewed your gifting strategy for 2026, there's still time. The window closes on December 31.

If something happened tomorrow, would your family know where to start? 🔐In most households, one person handles the money...
08/17/2026

If something happened tomorrow, would your family know where to start? 🔐

In most households, one person handles the money. The bills, the logins, the insurance, the auto-pays.

The other believes it's being handled, which is fine until it isn't.

Here’s a suggestion:
👉 Build one shared document with every account and explain how to access it. Update it periodically.
👉 Consider having both names on the accounts you say are jointly owned.
👉 Check out a password manager you both can access.
👉 Keep a one-page summary in a safe place with what to do, who to call, and where to look.

The couples who do this often say the same thing afterward: “We should have done it sooner.”

🎓 Most of the conversation around college savings is about whether you're saving enough. Fewer people talk about what ha...
08/13/2026

🎓 Most of the conversation around college savings is about whether you're saving enough. Fewer people talk about what happens when a 529 plan outlasts the beneficiary’s education needs.

Maybe your child earned a scholarship. Maybe they chose a less expensive school. Maybe the plan changed entirely.

However it happened, you built this account carefully, and now it has more in it than you need.

For years, your options were limited: take a taxable distribution and pay a 10 percent penalty on earnings, or change the beneficiary and hope someone else uses it.

SECURE 2.0 added a third option. Not everyone knows that you can roll unused 529 funds directly into a Roth IRA for the account's beneficiary.

Here's what to know:
🔹 $35,000 lifetime cap per beneficiary
🔹 The account must be at least 15 years old
🔹 Annual rollovers are capped at that year's Roth IRA contribution limit ($7,500 in 2026)
🔹 Only contributions made at least 5 years before the transfer date qualify
🔹 No income limits apply (unlike regular Roth contributions)

If your 529 has more in it than your child will use, it may be worth a conversation before that money sits idle any longer.

✈️ Do you have a college student studying abroad this fall?Before they pack a single bag, there are a few financial deta...
08/10/2026

✈️ Do you have a college student studying abroad this fall?

Before they pack a single bag, there are a few financial details that can catch families off guard.

Families sometimes underestimate the true cost of studying abroad by 20-40 percent.

Budget the program fee, then add up to 25 percent for travel, shopping, food, and a “just-in-case” fund.

Things to know:

📚 529 funds can cover tuition and housing at eligible foreign institutions, but not airfare, visa fees, or passport costs.

🏥 Most U.S. health plans provide little to no coverage abroad. Medical evacuation alone can cost $20,000 to $200,000, and most domestic plans don't cover it at all.

💳 Cards with foreign transaction fees add 3 percent to every purchase. No-fee options may be worth exploring before they leave.

Most parents remember to ask, “Do you have your passport?”

What gets asked less often is, “Are we aligned on what this semester may really cost?”

The packing list gets them to the airport.

The financial details you discuss before they leave can help everyone manage surprises and unnecessary expenses once they arrive.

📝 A 529 plan is a tax-advantaged education savings plan. Before choosing a plan, it's important to consider not only the state tax treatment but also any associated fees and expenses. Availability of a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws. If you make nonqualified distributions, earnings will be subject to income tax and a 10 percent federal penalty tax.

Your family could know every password you have and still be legally locked out of your photos, email, and accounts after...
08/07/2026

Your family could know every password you have and still be legally locked out of your photos, email, and accounts after you're gone.

☁️ Most estate strategies never address this gap.

A password helps practically. But it doesn't give your family legal permission to access an account.

Many platforms restrict access under their terms of service, and privacy laws can limit what companies disclose, even to a spouse or adult child.

These tools exist because knowing someone's password is not the same as having the right to use it.

Here are some suggestions:

◆ Reference digital assets generally and name a digital executor or fiduciary

◆ Keep a separate, secure inventory with accounts, passwords, recovery keys, and wishes

Many states have adopted the Revised Uniform Fiduciary Access to Digital Assets Act, or RUFADAA. It creates a legal path for fiduciaries to access digital assets. But the law works best when paired with documented instructions and properly configured platform settings.

Your memories are saved. Make sure your family can access them.

Address

12667 Alcosta Boulevard , Suite 355
San Ramon, CA
94583

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+19258301700

Website

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