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Financial Planning Strategies

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Starting Out

Making smart financial decisions early on can set you up for success later in life. We're here to help you get started. .

Take Financial Fitness Quiz

A few tips to get started

Creating A Budget

  •  Save enough money to cover your basic needs and wants.
  • Gain efficient and better control of your assets.
  • Avoid overspending.
  • Reduce financial worries.
  • Reduce debt
  • Increase financial knowledge.

Managing Debt

  •  Make a list of the debts and what you owe.
  • Create a household budget and track your spending.
  • Decide which debts to pay of first. Pay your bills on time each month.
  • Set up automatic payments.
  • Make at least the minimum payment.
  • Consult with your trusted advisor.

Common savings buckets we help you get started with

College Funds

College Funds

College Funds

If customers can’t find it, it doesn’t exist. Clearly list and describe the services you offer. Also, be sure to showcase a premium service.

Retirement

College Funds

College Funds

Having a big sale, on-site celebrity, or other event? Be sure to announce it so everybody knows and gets excited about it.

Buying a home

Emergency savings

Emergency savings

We help you identify a knowledgeable loan officer, Crunch the numbers to see how much house you can afford, find a local realtor or real estate broker and build a financial plan for it.

Emergency savings

Emergency savings

Emergency savings

We'll help you build the recommended 3-6 months of living expenses and an emergency fund to keep you prepared for the unexpected.

Our Approach

 Learn easy ways to take control of your money by creating a budget, starting to save and managing your debt. 


Download Sample Financial Plan

Family

Your family's needs are important. Understand the steps you can take today to create a secure financial future for you and those you love most.

Get Complimentary Consultation

A few quick tips

Getting Married

Establish your mutual goals.

  • What life values are important to you?
  • What type of lifestyle appeals to you? 
  • Will you have children? 
  • Will you vacation every year? 
  • Do you want to pursue a hobby or other outside interest?
  • Will you fund your children's higher education?

New Parents

  • Request a Social Security card for your newborn and order a certified birth certificate. 
  • Update beneficiaries, including 401(k)s, IRAs, insurance policies and trusts. 
  • Add your child to your health insurance policy and choose a pediatrician who is within your policy’s network to keep your out-of-pocket costs as low as possible.
  •  Review childcare options in your area well in advance. Newborn care can be costly and often in short supply.  
  • Create or revise your will to make sure your child and any future children are protected.

Common areas of Family Planning we handle

Couple's Financial Counseling

Couple's Financial Counseling

Couple's Financial Counseling

We help couples reach their financial goals, including saving, spending and anything and everything in between. Our main goal is to be a helpful resource for newlyweds and anyone in a serious relationship who want to learn to deal with the complexity of finances together.

Paying for college

Couple's Financial Counseling

Couple's Financial Counseling

With college costs on the rise, it's important to start saving as soon as possible. 

Protecting Your Estate

Couple's Financial Counseling

Life after losing a loved one

Draw up a Trust, Will and Powers of Attorney, prepare your advance directives and document all of your wishes.

Life after losing a loved one

Life after losing a loved one

Life after losing a loved one

If you are responsible for handling matters after losing a loved one, it’s important to take these steps in advance to ensure their financial affairs are in order 

Life after a divorce

Life after losing a loved one

Life after a divorce

Now is the time to move forward and focus on making your financial future as comfortable and error-free as possible. 

During your career

You have unique needs. Find the best benefit options to meet them.


Let's discuss your goals, risk tolerance and time horizon to help you navigate the road to retirement, and beyond.

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Our Areas of focus

403b/TSA Plans

This retirement program is available to employees of  most public and private education institutions, colleges and universities,  nonprofit hospitals and other tax-exempt 501(c)(3) organizations, such as  charitable institutions, foundations, and religious organizations. Generally,  annuities and mutual funds are available within 403(b) plans.  

Income Protection Insurance

A solid financial plan starts with your ability to earn an income. That’s why your income might be your most valuable asset – even more so than your house, car or savings – and why it’s so important to help protect your income.  

Deferred Compensation Plans

Deferring compensation into your account allows you to save additional retirement funds while reducing your current income, which can reduce your income taxes now. Federal and state income taxes (in most cases) are also deferred until the funds are withdrawn during retirement.  

Workplace Pension Assistance

Retirement planning for the hardworking people who make our communities work. We speak public sector retirement and are fluent in the details of governmental deferred compensation and defined contribution plans.  

retirement systems we work with

Ohio Public Retirement System (OPERS)

State Teachers Retirement System (STRS)

State Teachers Retirement System (STRS)

For an OPERS member to effectively manage their retirement, they need the knowledge to make informed personal decisions and the initiative to take action now. The goal should be to maximize individual benefits available under your personal pension and any deferred compensation plans, and to consider whether a Partial Lump Sum Option Payment (PLOP) may be right for you.

State Teachers Retirement System (STRS)

State Teachers Retirement System (STRS)

State Teachers Retirement System (STRS)

States’ budget constraints are forcing communities throughout the country to work toward permanently reducing the earned pension benefits teachers have spent their entire careers earning. It has always been incumbent on you to coordinate and manage your own future entitlements and to do it while you’re still working. 

Ohio Police & Fire Pension (OP&F)

State Teachers Retirement System (STRS)

School Employees Retirement System (SERS)

While there aren’t as many options as can be found in OPERS and STRS, there are still many things you can do to help set yourself and your family up for success, including strategies around maximizing contributions, taking full advantage of the deferred retirement option plan (DROP), expanding your investment options, life and health insurance strategies, and much more. 

School Employees Retirement System (SERS)

School Employees Retirement System (SERS)

School Employees Retirement System (SERS)

SERS does not offer the same number of plans as OPERS, STRS, and some of the other Ohio public pension funds. Instead, there is a single plan, which is similar in many ways to the Combined Plans offered by both OPERS and STRS. As a member, you are essentially funding your retirement through employee and employer contributions, as well as investment returns on these contributions. 

Highway Patrol Retirement System (HPRS)

School Employees Retirement System (SERS)

Highway Patrol Retirement System (HPRS)

As budgetary pressure mounts to reduce retirement benefits, members of the Highway Patrol Retirement System (HPRS) have a unique set of options that, when taken together with their values, should lead toward success as they disconnect from service. There are many strategies at the disposal of HPRS members, including Partial Lump Sum (PLUS) and Deferred Retirement Option Plan (DROP) that can effectively help you maximize your success in retirement. 

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If you’d like to schedule an introductory meeting either virtually or in person at our South Euclid office, please click the button below to use our contact form. We will be in touch with you soon.  

Reserve Investment Group, Inc.

1414. Green Road Suite 105, South Euclid, Ohio 44121

Toll Free: 858-498-0515 Local: 216-243-9408

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Reserve Investment Group, Incorporated

1414 South Green Road Suite 105, South Euclid, Ohio 44121

855.498.0515

Copyright © 2021 Reserve Investment Group - All Rights Reserved.

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