Real world experience

Our financial planning approach is based upon knowledge gained in our decades of employment and membership at three Ohio pension systems.

Our founder and president, Todd, was a member of OPERS for seven years and worked at STRS Ohio for seven years.
One of our advisors, Ryan, was a member of OP&F for eight years.

In-depth knowledge

You’ve worked too hard as an Ohio public employee to roll the dice on your retirement. You will benefit from the deep knowledge we have gained through our real-world experience as members of the Ohio pension system, and our 15+ years of advising Ohio pension members.

Pension Payment Strategies

Choosing your payment plan for retirement seems easy. However, this is the costliest mistake members make when retiring.

PLOP/DROP Strategies

Understanding how to optimize your monthly income by choosing the correct retirement date, PLOP or DROP amounts and survivor options.

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Three Creeks Client Reviews

Dr. Jake

"Todd Gourno has managed my retirement funds with absolute professionalism. I trust him so much I recommended him to my mother and a dear friend. He is trustworthy and cares about his clients financial success. In addition to his financial advice and management, he has taught me a great deal about the financial markets."

Jenna Smith

Ryan at Three Creeks Capital Management has been a huge asset t our financial planning. Ryan took a holistic look at our lives, finances, short term goals and long term retirement goals to create a plan that works for us and will benefit us in the long term. Great communication--after our first meeting. my to-do list was clear and concise. Ryan emailed or called often to let us know what he was doing on his end for us. Ryan is also very knowledgeable at public employee pensions and how those fit into retirement. Highly recommend!

Joshua Cox

I have been working with Ryan Mink since before he joined Three Creeks Capital Management. Ryan has been nothing less than exceptional! Ryan has a background in law enforcement, so he understands my needs. Any police officer or firefighter needs to reach out to Ryan. Ryan understands the Ohio Police and Fire pension and Ohio Deferred Comp. He will take care of you like no other financial advisor.

Michael Marando

Todd is the best in the business! He's extremely knowledgeable when it comes to financial planning. We've really appreciated his approach - always patient, transparent, and focused on making sure his clients feel educated and confident in their plans. Where Todd really stands out is the level of service and the care he has for his clients. He is genuinely invested in each of his clients overall well being and is always eager to help well beyond just your finances - a true partner!

The reviews displayed are given verbatim and all reviews appearing on this website are received via Google Reviews. All reviews can be accessed here. This testimonial and/or endorsement was given by a client of the financial advisor and no compensation was provided directly or indirectly. This testimonial and/or endorsement is not a guarantee of future performance or investment success, and the testimonial and/or endorsement may not be representative of the experience of other customers. Please visit BrokerCheck (https://brokercheck.finra.org) to see more on the background of this professional.

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Ohio Pension Planning

Because you do not pay into Social Security, prudent financial advice for Ohio public pension members is critical. If you are a Ohio public employee trying to figure out how to retire in Ohio or elsewhere, consult with us.

Investment Management

We help Ohio residents grow their assets in accordance with their risk and return requirements, with the goal of allowing you to reach your milestones such as retiring from Ohio public service, sending children to college, etc.

Tax Planning

Taxes in retirement can be a nightmare if not handled correctly. We will help you navigate tax issues such as managing taxable distributions from retirement accounts, handling capital gains from the sale of long held assets, etc.

Retirement Planning

Retiring in Ohio brings with it a host of important decisions, not only regarding the management of your assets but also Medicare, long term care, and other tools that are necessary to ensure a dignified retirement. We are Ohio retirement specialists who will guide you through.

Check the background of your financial professional on FINRA's BrokerCheck. Securities and advisory services offered through Registered Representatives of Cetera Advisors LLC (doing insurance business in CA as CFGA Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor. Cetera is under separate ownership from any other named entity.

This site is published for residents of the United States only. Registered Representatives of Cetera Advisors LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information please contact the representative(s) listed on the site, visit the Cetera Advisors LLC site at ceteraadvisors.com

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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Real world experience

In-depth knowledge