3 Creeks Capital | Financial Tips for Ohio Public Employees
Thanks for visiting the 3 Creeks Capital Blog.
👨🏼🏫 20+ years of Ohio Pension Knowledge in one place. Todd J. Gourno, CFP®, former STRS employee and OPERS member, shares how to make better decisions that directly affect your retirement income.
👮 Former Springfield police officer and OP&F member Ryan A. Mink shares ways OP&F members increase their retirement income by making simple decisions with their pension.
🎯 We'll show you how to select the appropriate amount when taking the PLOP or DROP.
✖️ We'll combine this knowledge with broader financial issues that impact your day-to-day financial well-being.
🏠 - How to pay off the mortgage before retirement and plan for taxes.
➡️ To learn more about your money, watch the videos in our Knowledge Library Knowledge Library
As the Federal Reserve approaches the end of its hiking cycle, bond investors may find opportunities for potential benefits. The above chart illustrates a historical pattern of bond prices after the Fed concludes its rate-hiking cycle....Read More
In the past three years, conservative investors faced unexpected challenges as traditional safe havens exhibited surprising volatility. Contrary to their historical stability, bonds experienced a downturn, turning negative over this period.Read More
Navigating your STRS Ohio retirement estimate is crucial, especially with joint and survivor annuity choices. As a former STRS employee for seven years, I've witnessed the #1 costly mistake couples make in their retirement income.Read More
If you know me, you know I thoroughly enjoy helping Ohio's first responders be more intentional and tactical when it comes to their finances and retirement. There's no one-size-fits-all when it comes to financial planning. There are...Read More
Summer is often the best and only time for us to escape and get away for family vacations. Unfortunately, while school break is in full swing, the high ticket demand allows the airlines to sometimes double or triple their ticket prices...Read More
Investing can be overwhelming for many people, especially when it comes to making decisions about what to buy or sell and how much risk to take on. However, creating a market framework can help simplify the process and provide guidance...Read More
This article examines the historical impact of government shutdowns on individual investment portfolios.The article notes that while a government shutdown can create uncertainty and temporary market disruptions, its impact isn't much.Read More
April is Financial Literacy Month, which makes it the perfect time for first responders to take a closer look at their finances. As a first responder, you face unique challenges that can make financial planning more difficult...Read More
As we approach the mid-point of 2023, many people are still asking the question: "Could the U.S. dollar collapse?" This topic has been thrown around in the media a lot recently. It's a significant question that deserves serious...Read More
For many investors, achieving the highest possible rate of return for their portfolio is the ultimate goal. It's understandable since the higher the return, the more they can accumulate for important life goals, such as saving for...Read More
Ready to buy a house but not sure how much you can afford in today's high-interest rate environment?
Ready to buy a house but not sure how much you can afford in today's high-interest rate environment?Don't let the banks dictate your budget!Here's a simple formula to help you determine a realistic spending range:Take your Gross...Read More
First Responders play a critical role in our communities, often putting themselves in danger to help others. I recall going from call to call during my midnight shift. My weekend could never come soon enough! I wanted to be able to...Read More
Understanding Taxes = Building wealth.Recent Prospect (now client) Story:Married couple age 61/58 - Needed a full financial analysis.Small business owner and Ohio public employee.We addressed retirement income, insurance, investments,...Read More
Many OP&F, OPERS, and STRS members retire before they are eligible for Medicare. A retiree is eligible for the healthcare stipend unless they have access to any other group coverage. If a pension member has a spouse or dependent...Read More
SECURE Act 2.0 changes to retirement.Read More
As tuition rates continue to climb, you’ve most likely wondered whether or not you can afford to go to college. It is a known fact that paying for a four-year degree doesn’t come cheap. Despite conventional funding, we have other ideas.Read More
President Biden, Vice President Harris, and the U.S. Department of Education have announced a three-part plan to help working and middle-class federal student loan borrowers transition back to regular payment as pandemic-related support expRead More
Three Creeks Capital Management announces the recent addition of Ryan A. Mink as Jr. Financial Advisor. Ryan brings his experience from Morgan Stanley to focus on financial planning for Ohio Police & Fire members. Ryan served as a...Read More