Serious Money Ohio

09/01/2026

Has the market given you more than you expected?

What happens next?

If your gains are substantially ahead of your financial projections, celebrate the win. Then consider whether it is time to protect a portion of those gains.

Annuities protect your principal from loss.

Multi Year Guaranteed Annuities provide guaranteed interest for a specified period.

Fixed indexed annuities can provide index-linked interest potential without direct participation in the stock market.

I bring 44 years of annuity experience to the conversation.

Let’s compare your options and see whether protecting some of your “win” makes sense.

All guarantees are backed by the financial strength and claims-paying ability of the company we select. Contract provisions, limitations, and surrender charges apply. Full details are always provided.

08/19/2026

Ohio teachers and retirees, here's a retirement statistic that deserves your attention. Understanding it could have a meaningful impact on your retirement planning.

We did the calculations for a teacher that retired ten years ago, in 2016.

They have seen a total Cost of Living Adjustment (COLA) pension increase of 7% over the last decade.

You’re probably thinking prices are up more than 7%. And you’d be right.

This is not meant to be a criticism of your plan. It’s just the facts around how your COLA is designed to work.

This inflation risk also affects members of SERS and OPERS.

Keep this in mind as you build your plans or as you work with your advisor. Share this information with other teachers and public union members you know.

07/04/2026

“In the truest sense, Liberty cannot be bestowed; it must be achieved.”
Franklin D Roosevelt

06/20/2026

It’s because Northwest Ohio is a great place to retire!

06/03/2026

Retirees around Toledo beat the national average in an important category.
In Lucas County 42% of retirees enjoy a pension from their previous state employment, union membership or corporate employer sponsorship.
That 42% is much greater than the national average of around 27%

05/28/2026

The 2026 Lucas County Retirement Wealth Report is out. A one of a kind, concise look at the financial resources and challenges retirees face today.

Compare your retirement to other retirees in Northwest Ohio.

Download the whole report on our website. SeriousMoneyOhio.com

04/03/2026

Hi everyone! 👋

I’ve decided to stop using Facebook as a channel for any news or updates.

From now on, I’ll be sharing these items on my website’s blog and on my Google Business Profile.

👉 Serious Money Ohio

Find local businesses, view maps and get driving directions in Google Maps.

03/22/2026

A physical piece of 1795—still in someone’s hands today. Right here in Northwest Ohio.

This silver dollar was struck just a few years after the United States was born.

Imagine the world it entered—no modern banking system- just trust, trade, and survival.

Fast forward 230 years, and it now sits in the hands of one of my clients- an unbroken link between generations.

That silver dollar has been carried, traded, protected… and somehow endured.

History isn’t always in museums.
Sometimes, it’s quietly passed from one steady hand to the next.