Built for educators, school staff, municipal workers, and state employees balancing pension choices with real-life planning goals.
Serving clients in Youngstown, Independence, and surrounding communities.
Ohio public employees often have strong retirement foundations, but many still face difficult questions: when to retire, how to maximize pension income, and how to coordinate benefits with personal savings. A defined benefit pension can provide stability, but your full retirement picture should also account for healthcare costs, inflation, Social Security timing, and taxable income strategy.
My role is to help simplify those decisions into a practical, step-by-step plan that aligns your pension elections, supplemental savings, and long-term lifestyle goals.
For clients in OPERS, planning is not just about your projected monthly benefit. We evaluate contribution history, pension or member-directed plan factors, retirement eligibility, survivor elections, and how your OPERS income fits with personal assets such as IRAs, brokerage accounts, and workplace deferred compensation plans.
Teachers and school administrators in STRS have unique planning needs, including service credit timing, retirement windows, and evaluating options that impact guaranteed income and family protection. Retirement readiness also depends on how well your pension integrates with additional savings vehicles.
Whether you are five years from retirement or already weighing a retirement date, the goal is clarity: clear numbers, clear tradeoffs, and clear next steps.