Whether you work for a corporation, a hospital system, a university, a government agency, or a growing small business, your retirement and benefits picture is rarely as simple as one 401(k) statement. We help employees and professionals sort through plan choices, pensions, and stranded accounts so the pieces actually work together.
What we help employees navigate
- Rolling over old 401(k)s, 403(b)s, and stranded accounts from previous employers into one coordinated plan.
- Pension election decisions — single life, joint-and-survivor, lump sum vs. monthly, and partial lump-sum options.
- Deferred compensation and executive benefit plans (NQDC, restricted stock, RSUs, ESPPs).
- Disability, life, and HSA coverage — what travels with you and what doesn't.
- Tax planning for bonuses, equity comp, moonlighting, and 1099 side income.
Ohio-specific retirement systems
If you've earned a pension through one of Ohio's public retirement systems, the elections you make at retirement are largely irreversible. We model the choices side by side so you can see the long-term household impact before you sign anything.
- Ohio Public Employees Retirement System (OPERS) — Traditional, Member-Directed, and Combined plan analysis; PLOP elections; spousal consent; and disability provisions.
- Ohio's State Teachers Retirement System (STRS) — defined benefit vs. combined plan, partial lump-sum option (PLOP), and survivor elections.
- Healthcare benefit decisions tied to OPERS/STRS retirement, including Medicare Connector enrollment.
- Coordination with Social Security, Medicare/IRMAA, and your withdrawal sequencing strategy.
Who this is for
- Employees of large corporations and Fortune 500 employers in the Toledo area.
- Public-sector employees, teachers, and university staff covered by OPERS or STRS.
- Hospital and healthcare-system employees with 403(b)/457(b) combinations.
- Mid-career professionals at small and mid-sized businesses with growing benefits packages.
- Anyone consolidating multiple employer plans from a career of job changes.