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.

Family of five at the beach, with waves in the background, smiling, wearing sunglasses, and standing on sand.
  • 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.