Baby Step 4 of the Ramsey Plan recommends saving 15% of your gross income for retirement. This guide explains how to structure those savings using a 401(k), Roth IRA, or taxable brokerage depending on your income, filing status, and employer plan access. Key rule: “Match beats Roth, Roth beats Pre-Tax.” Whether you're single or married, with or without a plan, there’s a strategy to fit your situation. Consult a financial advisor to create a plan that works for you.

Tariffs can greatly impact investments, and Dave Ramsey’s four categories—Growth, Growth & Income, Aggressive Growth, and International—respond differently. Growth stocks may be hit hardest, while Aggressive Growth and International companies may benefit. Diversifying across all four can help reduce risk. Understanding these effects with the help of a financial advisor can guide smarter investing in uncertain times.

STRS is offering an early retirement incentive for defined benefit plan members with 33 years of service or age 60 with 5 years of service between June 2025 and July 2027. Deciding whether to accept depends on your full financial picture. Run benefit estimates for different retirement points and factor in any salary increases. Then, meet with an STRS counselor and your Whitaker-Myers advisor to determine the best option for your goals.

When starting a career as a young adult, it can often be challenging to understand the best ways to use your money. It can be...

Looking toward the future We are in the first innings of what will be the greatest transfer of wealth in US history. It is estimated that...

Introduction If you are a small business owner or self-employed, you may be looking for tax-advantaged ways to save for retirement above...

Cleveland Clinic and Fidelity BrokerageLink - a powerful combo for retirement savers

Ohio STRS announced recent changes to the benefit eligibility of the defined benefit plan.

The IRS recently announced the changes to the retirement contribution limits for 2025  for the various retirement account types.  To...

Saving for Retirement Many people have an opportunity to save for retirement through an employer-sponsored 401(k). This is a great way...

With the number of available funds seemingly endless, it can be hard to tell what a fund’s investing strategy is. With so many ways to...

If you are an OPERS employee, you may or may not already know that you have a choice in the type of retirement plan you participate in....

Although retiring early, let alone before the penalty-free distribution age of 59 ½, seems like an impossible dream for some, it is...

SIMPLE IRAs are often mentioned when talking to clients. They either have one with a previous employer or want to know if they would...

Often, in the financial world, terminology can be used that the average person may not understand or have a firm grasp on what is being...

What is a Roth IRA A Roth IRA is an investment vehicle that allows people to save for retirement using after-tax dollars. Those dollars...

Work Graduation! Congratulations! You’ve graduated from work! You’ve probably gone through numerous graduations by now, but none as...

A Quick Backstory People told me growing up that I needed debt in my life and that debt was good. “I can’t get a mortgage without a...

As the end of the year approaches, there is no better time to analyze your finances to ensure you have maximized your accounts for the...

The concepts behind finance and investing can be very complex to most people. Often, looking at your portfolio can prove challenging to...