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Providing Guaranteed Retirement Income Strategies

Learn About Robert James & Associates

Our mission is to empower retirees and pre-retirees to lead fulfilling and financially confident lifestyles, and we do this by providing guidance to help you develop an overall strategy for the different aspects of your retirement Retirement income strategies are not just for the wealthy. As retirement nears, the traditional strategy has been to move growth-seeking products to more conservative, fixed-income products. According to a recent study, for a married couple age 65 there is now a 50 percent chance that at least one spouse will live to age 94. This means that you may need to plan for your retirement savings to potentially last 25 to 30 years.

One drawback to a longer life is the greater possibility of outliving your savings — creating all the more reason to develop a retirement income strategy designed to last a longer lifetime.

Sixty-one percent of Americans surveyed said they were more afraid of outliving their assets than they were of dying.

A significant loss in the years just prior to and/or just after you retire could negatively impact the level of income you receive over the course of your life. In fact, if a loss occurs earlier in life, there is also the chance that you may have more time to recover (versus a loss occurring later in retirement). Why? Simply because a smaller pool of assets is left to sustain you throughout your retirement years, and your assets may not have as much time to recover.

We can help you design a guaranteed retirement income strategy for your baseline income needs that incorporates insurance and guaranteed vehicles to create opportunities for long-term growth as well as guaranteed income throughout your retirement.

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Do you have questions about income strategies?

We want to help. Please contact us by filling out the form below or by calling us at (865) 376-4925 to schedule your no obligation evaluation meeting where we will answer your questions. If you can invest one hour, we can place you on the path towards the future you deserve.

Our monthly informational seminars are a great opportunity to meet the planners at Robert James & Associates and learn more about the different financial opportunities available today. We work hard to fill these seminars with information that will keep you up-to-date on issues that matter to you, your family, and your financial well-being. Attendance to one of these seminars will also entitle you to a priority date for a complimentary consultation in our office where we will confidentially review your situation and stress test your portfolio. Call us today @ (865) 376-4925.

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Meet Our Team

Robert James & Associates, Inc.

Bob. Tonachio, Founder, CEO, CFO

A nationally recognized speaker and author with over forty years experience in high level management, investments and finance

He was the founder and CEO of two successful start up companies that he financed initially by personal investment and private placement. Both companies were international in scope with major oil & gas concessions in Australia and diamond mines in South Africa… His company had a 5% share ownership in 3 publicly traded companies in Australia. The company also had extensive interests in Africa… Both of his companies became publicly traded and were extremely profitable to the initial investors as well as the pubic shareholders. J. Bush & Co. (President George Bush’s Uncle) took down 30% of the initial issue for their accounts. The stock came out at $4.00 and rallied to $16.00 within the first year.

Robert James & Associates, Inc. recommends suitable, guaranteed vehicles that provide secure, future as well as immediate income to clients. The company advises on pension and profit sharing plans concerning… accumulation, preservation and distribution for three generations.

Bob Tonachio, Founder, CEO, CFO

Bob Tonachio, President & CEO | Robert James & Associates, Inc
615 River Rd
Kingston, TN 37763
(865) 376-4925 | (865) 376-2294 (fax)

Bobby Tonachio

Hey!.. It's Time to Take Positive Action Now:


Reduce Your Expenses and Increase Your Benefits!
60 NEW CHANGES TO OLD PLAN RULES MEAN GREATER TOTAL BENEFITS ... LESS TAXES!! For: C & S Corporations, Partnerships, Sole Proprietorships & LLC’s


401 K, Safe Harbor , Defined Benefit, Cash Balance
90% of the time we can lower your cost and give you a better plan with more features and benefits. Look at This... We do it all!


  • Custom Design
  • Administration
  • TPA Service
  • Plan Funding
  • Investment Advice
  • All government reports
  • 7 Independent Competing Money Managers …
  • Check Your Account Balance every day on-line…
  • Move money from one fund to another every day NO CHARGE!
  • 50 investment options
Bobby Tonachio

It could be costing you a lot of money if you haven’t been looking at what is new”... If you have a plan… “We will do a free review and Custom Design a more beneficial plan for you Free of Charge”.… If you don’t have a Plan… let’s Custom Design one for Your Business.. Time is money and both are running out! Do It!!

If you have a 401k and about to retire or just have retired... or just plain lost your job or quit... Let's roll over your plan and get you some guaranteed income with upside potential... and save you a lot of tax dollars!! Call me today... We will not charge you for Plan Design, Advice or Consultations... They are FREE! Yes, FREE!!!
On call 24/7. Never a day off!!
(865) 376-4925

Catalina Rose

Bobble Fishing With Catalina Catalina Rose

Kimberly Ezell Smiling

Kimberly Ezell  

V.P.Office Manager / Administration

865-376-2294 Fax

She is responsible for the following: Coordination with over 36 major financial institutions,maintaining licenses in 31 states, processing client information for suitable illustrations, arranging and assisting with client workshops, performing compilation of data for 10Q and 10K reports and acting as Information Technology Officer. On call 24/7. Never a day off!!

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Kylie Smiling

Grand daughter Kylie & Daughter Anikka

Son TK



Thank you for your interest. For questions or comments, please use the information listed here. We look forward to hearing from you soon.

(865) 376-4925

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