778 Northwest Blvd., Columbus, OH 43212


The members of the State Teachers Retirement System of Ohio, the Ohio teachers, principals, superintendents, and professors who educate our youth, are the pillars of our society. Unfortunately, due to lack of education on the part of the systems that prevail, many are unaware of the financial missteps that can result in over $100K in lost retirement income.

shaking hands
Here are the typical problems that STRS members come to us to solve:
  1. Which Plan of Payment to select (#1 mistake, can be very costly)
  2. When should I retire (age & service credit)
  3. Should I take a PLOP?
  4. Windfall Elimination Provision (WEP) or Government Pension Offset (how it impacts Social Security)

Making the right choice is overwhelming for most people. In most cases, the decisions are irrevocable and can be very costly. At Three Creeks Capital, we help clients with these decisions every day. We have the experience and knowledge to help you get it right from the start.

Schedule Your Retirement Consultation Now
Critical STRS Ohio Retirement Questions: Don't Miss Out on Thousands!
strs ohio guide
Don’t just rely on what you heard in the Teachers’ Lounge!

This guide helps you start thinking about your STRS Ohio pension so you can obtain all the benefits you are entitled to and coordinate STRS Ohio benefits with the rest of your retirement income plan.

Read the Guide
Molly and Archie

Age: 60 and 62

Occupation: Teacher and Engineer

Primary Goals: Both retire this year, optimize STRS Ohio Retirement Date and Payment Plan, consolidate 403(b)s and 457 plans, and figure out what to do with Archie's Social Security and 401(k).

Read the Success Stories
Thinking about taking the max PLOP? Not so fast!

PLOP stands for “Partial Lump Sum Option.” Most OPERS/STRS Members consider taking a PLOP. However, most don’t consider the consequences.

  1. Reduced Monthly Income
  2. Future COLAs reduced
  3. Tax consequences
  4. Joint and Survivor Affordability

This is an irrevocable decision that will have permanent consequences for the rest of your life. Get our opinion before you take action.

Schedule a PLOP Call
View our financial education resources for Ohio Public Employees