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How Ohio Families Can Protect Their Budget from Rising Energy Costs
Every month, Ohio families feel the impact of rising household expenses. While we can't control inflation, we can take steps to manage some of our recurring costs. One often-overlooked opportunity is your electric and natural gas supply service. Many Ohio consumers don't realize they may be able to choose their electricity and natural gas supplier through Ohio's Energy Choice program. The Public Utilities Commission of Ohio provides a free comparison tool called Apples to A

Fred Quinn
Aug 172 min read


The Relief of Not Having to Figure It All Out Alone
Relief comes from not facing important retirement decisions alone.

Fred Quinn
Aug 92 min read


You've Spent 30 Years Building Your Pension. Now Trust It.
For many Northwest Ohio STRS, PERS, and SERS members, retirement planning becomes an endless search for certainty. Should I pick Option 1 or Option 2? Should I take a PLOP? Should I invest more aggressively? Should I delay retirement another year? The problem is that retirement doesn't offer certainty. It offers confidence. And confidence comes from recognizing what you've already accomplished. You've shown up for work for decades. You've contributed to your retirement

Fred Quinn
Jul 271 min read


Three Top Reasons 82% of Retirees Stay in Northwest Ohio
Retirement is a time to enjoy life, relax, and feel secure. If you’re thinking about where to spend your retirement years, you might wonder why so many retirees choose to stay in Northwest Ohio. In fact, 82% of retirees in this region decide to stay put. What makes Northwest Ohio so special for retirees? Let’s explore the top three reasons that make this area a favorite for those enjoying their golden years. Eye-level view of a peaceful lakeside park in Northwest Ohio with be

Fred Quinn
Jun 233 min read


Don't use more money than you need to create the income you want.
Discover a conservative way to generate the retirement income you want - and free up dollars for additional liquidity.

Fred Quinn
Mar 302 min read


Bloomberg Raises Concerns: What Does It Mean for the US Economy & Your Future?
Do the issues raised by Bloomberg raise risks for current retirees?

Fred Quinn
Mar 24 min read


The thrills are real and yet there is no fear.
Stock markets are at all-time highs in the US. The Dow Jones Industrial Average trails the other major indexes, up only 18% in the past...

Fred Quinn
Mar 1, 20243 min read


Keep your broker; I'll do your Retirement Income Planning as a stand-alone service.
I understand that you can't leave your current broker or financial advisor easily. They do have all your money, and it is "allocated"....

Fred Quinn
Aug 24, 20232 min read


Are you terrible at financial math? It is costing you money.
Some people like numbers, calculating and figuring. Their brains are wired to look at choices that involve numbers well. These folks...

Fred Quinn
Aug 3, 20232 min read


Getting older and how it impacts your IRA RMDs.
Two minute video explains how getting old impacts your IRA accounts.

Fred Quinn
Jul 11, 20231 min read


Do you remember 1984?
In 1984 a medium sized life insurance company made a portfolio allocation "bet" that caused its trajectory to soar for the next 30-years....

Fred Quinn
Jun 23, 20231 min read


When it absolutely, positively has to........
Do you remember the rest of this 1990's marketing slogan and what company made it famous? Of course, you do! This concise slogan ended in...

Fred Quinn
Dec 6, 20221 min read


The chicken or the egg? It matters to your retirement!
I'm not sure which came first when it comes to scrambled eggs and chicken sandwiches. But I know what HAS TO COME FIRST when you are...

Fred Quinn
Dec 1, 20222 min read


The algorithm has definitely worked this time
Have you heard about indexes that use algorithms or mathematical formulas to guide their asset allocation? No human money manager. A...

Fred Quinn
Oct 25, 20222 min read
Trick or Treat - are you a gambler or a "for sure"?
A syndicated columnist each year writes about how he allows young trick-or-treaters to choose from two treats. One treat is a small piece...

Fred Quinn
Oct 21, 20221 min read


ESG Index comes to a Fixed Indexed Annuity!
Fixed Indexed Annuities guarantee that you cannot lose money due to market performance. That quality makes them an option for your...

Fred Quinn
Sep 13, 20222 min read


You’ve lost more of your Nest Egg than you think.
Right now, may be one of the roughest times that retirees will have to deal with for a long time. The effects of inflation and market...

Fred Quinn
Aug 31, 20223 min read


What is asset-location planning and is it important?
Imagine you have a Roth IRA, a 401(k) at work and a brokerage account. A fairly typical situation these days. You are 65-years old and...

Fred Quinn
Mar 1, 20222 min read


6% Inflation May Be Here to Stay - Prepare & Protect
Beef Amazon Prime Gasoline Haircut Electricity Let me start the list of pain in the wallet. You go next. Who is asking you for more money...

Fred Quinn
Feb 22, 20222 min read


Dear Uncle Sam, can we talk? Us retirees can't go backwards forever.
Inflation runs faster than Social Security increases can keep up.

Fred Quinn
Nov 9, 20211 min read
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