As we move through the second half of the year, we want to take a moment to thank you for continuing to trust 3 Creeks Capital with your financial planning, retirement decisions, and long-term goals.
This quarter, we are excited to share a few important updates from our team, introduce a new estate planning resource available to clients, highlight a client story, revisit the importance of asset location, and provide an update for Ohio public employees.
We are incredibly grateful for the continued support of our clients and friends of the firm. Over the past few months, many of you have taken the time to leave Google reviews, share kind words, and refer family members, friends, and colleagues to 3 Creeks Capital.
Thank you!
Your reviews help others understand better who we are, what we do, and the type of experience they can expect when working with our team. Your referrals also mean a great deal to us because they reflect one of the highest forms of trust. We never take that lightly.
As our firm continues to grow, our goal remains the same: to provide thoughtful, personal financial planning for people who want clarity, confidence, and a long-term partner in their financial lives.
For many of our clients, that means helping make sense of pension decisions, retirement income, taxes, investments, Social Security, estate planning, and the many moving pieces that come with major life transitions. For us, it also means continuing to improve the client experience behind the scenes so that you feel cared for, prepared, and supported at every step.
Thank you again for being part of the 3 Creeks Capital community.
This quarter, we are pleased to spotlight Howard Coburn, whose retirement story is a great reminder that the next chapter of life can be just as full, meaningful, and active as the career that came before it.
Howard spent approximately thirty-five years with KeyBank, where he served as a licensed corporate counsel specializing in banking and litigation. commercial lending, and risk management. It was a long and successful career built around expertise, judgment, and problem-solving.
But Howard did not exactly ease into retirement.
He retired on the first Friday of April and, by the following Monday, was already putting his skills to work in a new way: handyman mode. With two adult children living out of state, Howard has spent part of his retirement traveling to help them complete various projects around their homes. For Howard, retirement has not been about slowing down. It has been about having the time and flexibility to show up for the people he loves.
Howard and his wife, Anne, have been married for forty-eight years. Anne also built a meaningful career, retiring from Cleveland State University, where she served as Associate Director of Student Financial Aid. Together, Howard and Anne have two children and five grandchildren.
A few years ago, they purchased a home in Cape Cod, where they plan to continue making memories with their family while still calling Cleveland home. For them, retirement is not just a destination. It is a season of family, travel, projects, and time spent in the places that matter most.
Howard suggests that anyone planning for retirement should start early and get advice.
We are grateful to work with Howard and Anne and thankful they allowed us to share a small part of their story with the 3 Creeks Capital community.
For clients covered by STRS Ohio, OPERS, or the Ohio Police & Fire Pension Fund, there have been several recent updates worth noting as we move through the second half of the year.
These updates are a good reminder that pension decisions should not be viewed in isolation. Retirement timing, survivor benefits, PLOP or DROP decisions, Social Security, taxes, health care costs, and investment income all work together.
Action step: If you are approaching retirement, download your most recent pension statement and send it to our office before your next review meeting. We can help you review your options and understand how these updates may affect your overall plan.
As we continue meeting with clients, we have found that we can provide the most valuable and accurate financial strategy when we have the most up to date information available. One area we’re placing a greater emphasis on is estate planning.
While many of our clients already have estate planning documents in place, we’ve found that many documents have not been reviewed in several years and no longer reflect their current wishes, family circumstances, or financial situation.
That’s why we are excited to announce that Three Creeks Capital now offers clients access to Wealth.com, an online estate planning platform designed to make the estate planning process easier, more organized, and more accessible.
Many families delay estate planning because it can seem expensive, complicated, or overwhelming. Wealth.com helps simplify the process by guiding you through the creation of essential estate planning documents while making it easy to review and update your plan as life changes.
This can be especially helpful if you have recently retired, experienced a major life event, welcomed grandchildren, changed your wishes, or simply have not reviewed your estate documents in several years.
Estate planning is an important part of a complete financial plan. It helps ensure your wishes are clear, your family is protected, and the right people have authority to act on your behalf if needed.
We will be sharing more information about Wealth.com during a client webinar scheduled for Fall 2026. Be on the lookout for an invitation with registration details. We hope you’ll join us!
Please note: Wealth.com is not a law firm and does not provide egal advice. Some situations may still require guidance from a licensed attorney.
Asset location is more than just where your money is invested — it’s about where your assets are held and how those accounts will be taxed in retirement. Understanding whether your savings are in qualified, non-qualified, or tax-free accounts can make a meaningful difference in how much of your retirement income you keep.
In this video, we break down the three asset location buckets and explain why this concept is one of the foundations of tax-efficient retirement planning. Watch below to learn how proper asset location can help reduce unnecessary taxes and create a smarter retirement income strategy.
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