Hi, I’m Aaron Payne
I work with Tennessee higher education professionals, public employees, and families who are preparing for retirement and want a clearer understanding of what their savings may actually mean for their future income.
My focus is helping individuals better understand their retirement income options through an educational, pressure-free approach. Instead of focusing on products or sales recommendations, the goal is to bring clarity to how retirement benefits and savings may translate into long-term income decisions.
I earned my Bachelor’s degree in Business Administration from Middle Tennessee State University (MTSU), followed by an MBA from Trevecca Nazarene University. I later returned to MTSU to complete upper-division accounting coursework required to sit for the CPA exam.
Before founding A.P. Retirement, I worked as a State of Tennessee employee, which gave me firsthand familiarity with the retirement systems and benefits many public employees and educators rely on today.
At the center of my work is a simple belief: retirement planning should feel clear, understandable, and grounded in education—so you can move forward with greater confidence in the decisions you make.
Former State of Tennessee Employee
MTSU Graduate
MBA – Trevecca Nazarene University
Focus on Tennessee Educator Retirement Planning
Retirement Income & Social Security Coordination
Educational, Pressure-Free Approach
Why Clients Choose to Work With Me
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Whether you're approaching retirement, evaluating your options, or simply looking for a better understanding of how your retirement assets may support your future, I am here to help.