Hais Team with QCFA

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Hais Team with QCFA

Hais Team is part of Queen City Financial Advisors, a Cincinnati based Financial Planning firm. We design a plan that fits your needs. member FINRA/SIPC.

Queen City Financial Advisors LLC, is a full service financial planning firm located in Downtown Cincinnati. We have been helping successful individuals, teachers, medical professionals and their families work toward their goals for over 25 years. Our firm has a wealth management focus with an emphasis on college, retirement and estate planning. Securities offered through Osaic Wealth, Inc. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

10/02/2026

Nobody complains about having too much in their 401(k)....
Until the IRS makes them take it out whether they need it or not.

We've seen this:
Someone spends 30 years doing everything right, builds a $1M+ 401(k), and then hits their 70s facing Required Minimum Distributions that push them into a higher tax bracket, spike their Medicare premiums, and force money out of an account they were hoping to leave alone.

The frustrating part? This is almost always avoidable. Roth conversions, smarter contribution splits, and account structuring done 10-15 years before retirement can turn a forced, taxable withdrawal into a non-issue.

If you're in your 40s or 50s and stacking up a large pre-tax balance, now is the time to ask the question, not the year your RMDs start.

09/24/2026

Alight and your retiree health care

With Medicare open enrollment running Nov. 1 – Dec. 15, this is the time of year OP&F retirees make health care decisions that stick for the next 12 months.

A lot of members hear "Alight" and assume it's all one thing, but Alight actually plays two separate roles for OP&F. They're now running the pension administration system behind the scenes, and separately, they run the retiree health care exchange (HRA administration, Medicare plan selection, open enrollment)

Between a new pension system, a health exchange to navigate, and DROP timing to think through, there's a lot moving at once for OP&F members right now. That's exactly why we stay on top of it, so you don't have to sort out which "Alight" you're dealing with on your own.

09/21/2026

The bigger system change

OP&F is in the middle of the biggest back-end change it's made in years: a full replacement of its pension administration system, targeting an October 1 go-live.

For members, this means a few things worth knowing now:
- A redesigned Employer/Member Self Serve experience
- New security requirements
-Temporary pause on DROP distributions during the transition

Nothing about your earned benefit changes. But when a system this size changes hands, the members who stay ahead of it are the ones paying attention to deadlines and making sure OP&F has current contact information on file. If you're within a few years of retiring or DROP eligibility, this is a good year to have someone tracking it with you.

09/17/2026

The OP&F DROP pause, explained

If you're an OP&F member in DROP and you've seen the notice that distributions are paused from Sept. 17 through Oct. 16, here's what's actually going on.

OP&F is replacing its pension administration system (the one that's been running the fund for over 20 years) with a new platform built with Alight. The pause is part of that cutover, not a sign of a problem with the fund itself.

If you were planning to request a DROP distribution during that window, or you're weighing your exit date from DROP, timing matters more than usual right now.

This is exactly the kind of thing that's easy to miss if you're not watching OP&F's system updates closely.

06/15/2026

Trump Accounts opened on July 4. A few questions are worth considering:

➡️ Our baby is 18 months old. Do we qualify for the $1,000?

Yes. Every U.S. citizen baby born since January 1, 2025, qualifies for a one-time $1,000 federal contribution.

➡️ Is there an income maximum?

No. Eligibility is based on the child's citizenship and birth date, not family income.

➡️ Our child is 7. Did we miss it?

Not entirely. Any U.S. citizen under 18 can have an account opened. The federal $1,000 payment applies only to children born in 2025 through 2028, but everything else still applies.

➡️ Can grandparents contribute?

Yes. Up to $5,000 per year combined across parents, grandparents, family, and the child themselves.

➡️ What is the catch?

State tax conformity varies; California, for example, does not currently conform.

Whether to contribute, how much, and how to coordinate it with what you already have are all worth talking through. Our team is here for that.

06/10/2026

The Treasury Department in January said more than a million people have signed up for Trump accounts. Are you eligible?

05/12/2026

We had a fantastic turnout at our Shred Day Event this past Saturday! Team Bourgeois and Team Hais loved seeing so many of our clients come out to safely dispose of their old documents. Thank you to everyone who joined us.
It's always a pleasure serving you beyond the office! 🗂️✂️

04/16/2026

At QCFA, our OSJ is led by Chris Hais, working closely alongside Chuck Hais, whose experience and guidance continue to shape our direction as a consultant to the firm. Together, they’ve built a foundation focused on supporting advisors in growing, scaling, and ultimately transitioning their businesses.

Supporting that leadership is a dedicated operations and back-office team. Chip Hais and Beth Hodges work behind the scenes to ensure advisors have the resources, structure, and day-to-day support needed to operate efficiently and stay focused on their clients.

This team has been working together to run and grow the branch since 2009—creating an environment where independence doesn’t mean doing it alone.

If you’re an advisor looking for a team that understands both the business and the day-to-day realities of running a practice, we’d welcome the conversation.

04/10/2026

One of our primary roles at Queen City Financial Advisors is working with advisors who are ready to grow—but need the right structure to do it.

That means helping with:
• Operations
• Recruiting
• Technology
• Advisor support systems

We’ve built our model around making advisors more efficient—not more overwhelmed.

If that’s something you’re thinking about, happy to connect.

12/11/2025

Merry Christmas from all of us at Queen City Financial Advisors, LLC City Financial Advisors, LLC.

Last week we had the privilege of celebrating the Holidays and another successful year our extended Queen City Family.

A special thank-you to Greyhound Tavern for hosting our advisors, their staff and families for our Annual QCFA Christmas Party! Good food and good times were had by all.

Thank-you to our advisors and their teams for another successful year. We are grateful for each of you and proud of the work that you do for your clients.

Here’s to a successful 2025 and an even brighter 2026 ahead.

Address

Cincinnati, OH
45202

Website

http://www.Queencityadvisors.com/

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