Starting Out

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.

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

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

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 

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

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.

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. 

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. 

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. 

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.