Social Security Planning

There are a few important factors to consider before filing for your Social Security benefits. It is important to sit down with an expert advisor who can help you consider all possible filing scenarios to maximize your benefit while minimizing any potential taxation of your benefits, to enhance your chances of a successful retirement.

OPERS, STRS, FERS, TSP, and OP&F Planning

If you are a public or federal employee, chances are you are part of one of the following retirement systems:

• Ohio Public Employees Retirement System (OPERS)

• State Teachers Retirement System (STRS)

• Federal Employees Retirement System (FERS)

• Thrift-Savings Plan (TSP)

• Ohio Police & Fire Pension Fund (OP&F)

Each of these retirement systems has its own rules, regulations, and benefits that they offer its employees and participants, and can often be overwhelming and confusing to understand. Our advisors are knowledgeable about each system and can help guide you in maximizing your benefits when it comes time to retire.

Corporate and Private Pension Planning

If you are lucky enough to work at a company that offers a Defined Benefit Plan, or a pension plan, it is important to consider what options you have available to you before you begin taking your benefit. “Turning on” your benefit too early or too late, or not comparing your plan’s benefits to any alternative strategies, could cost you thousands of dollars of missed benefits and/or tax consequences throughout your lifetime.