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CHOICE EQUALS OPPORTUNITY
First Ohio Planning's complete lineup
Investment Consultation
- We apply stringent analysis and a dedication to disciplined fundamentals
- We emphasize collaborative, interactive, educational and ongoing client relationships
- Two distinct fee levels are available to meet your individual needs
“Our philosophy is simple. We build every relationship on integrity and trust, and strive to give each client the quality advice we would use ourselves.
We measure our success by the magnitude of our clients’ successes.”
David W. Wright CLU, ChFC
Financial Planning
- The complexities of your financial health are identified and categorized through a comprehensive financial analysis.
- Customized financial plans integrate all of your goals – including retirement, college funding, estate preservation and tax reduction.
- Our team of advisors will help you effectively organize, analyze, set and track your goals.
A goal without a plan is just a wish…
Antoine De Saint-Exupery
A goal with a plan is a dream made real…
Jane Prause
Executive Vice President - Financial Planning
Investment Brokerage Accounts
Your goals and financial circumstances are unique, and your investment options must be appropriately prudent, yet flexible. To address your distinct needs, we provide a complete selection of Brokerage Accounts including:
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Individual, Joint, Trust Accounts
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Retirement Accounts
Employer Retirement Accounts
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Educational Accounts
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Business Programs
Employer-Sponsored Retirement Plans
401(k), 403(b), Simple IRA, SEP
Choosing the right qualified plan for yourself and your employees can be a daunting task; sorting through the options can be overwhelming. Our highly experienced retirement plan advisors are trained to help you:
- Determine if your plan fees are competitive and reasonable
- Provide investment analysis reports
- Encourage participation in the plan by conducting educational and enrollment meetings
- Review fiduciary practices to help you remain ERISA compliant.
“Offering employees a tax-deferred retirement plan can result in a highly motivated workforce – marked by low turnover and superior productivity.”
James S. Ryan J.D., CFP®, AIF®
Group Benefits
Health, Life and Disability
In today’s difficult fiscal climate, even financially stable companies try to minimize expenses. Consequently, managers must make difficult decisions about what benefits to offer employees. On which benefits should you spend your HR dollars? In one survey, many businesses, regardless of the number of employees, ranked the importance of group insurance plans in this order:*
- Group health insurance
- Group life insurance
- Short-term disability insurance
- Dental insurance
- Long-term disability insurance
- Medical reimbursement plans (for non-insured expenses)
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Vision, pre-paid legal expenses, pet insurance, etc.
Our group benefits professionals will assess your unique circumstances objectively, and help you choose the right benefits at the right price.
*Source: Wells Fargo.
Voluntary Benefits
Group Life and Disability Income
Your challenge is to remain competitive in recruiting and retaining talented employees, while holding the line on costs. Complementing your core compensation package with additional voluntary benefits can help you stand out in the HR marketplace, with minimal impact on your budget.
Supported by our association with The Farmington Company, which brings nearly three decades of experience in administering voluntary benefits programs, we can help you create a suite of highly valued coverage benefits, including:
- Life
- Disability
- Long term care
- Legal services
- Pet insurance
- Identity theft
- Auto and home
- Dental
- Vision
This turnkey program covers all administrative and communication tasks, enabling you to marshal your resources for other demands.
Section 125 Benefits
Flexible Spending Accounts (FSAs) and more
Today's record-high costs for benefits are making it more expensive than ever for employers to provide quality benefits for their employees. Section 125 benefits are ideal for companies that want to:
- Share the cost of benefits through employee contributions
- Offer Flexible Spending Accounts
- Implement a “cafeteria-style” benefits plan
- Gain greater control over escalating benefits costs.
Through our partnership with TASC, a leader in benefits systems and processing, we will introduce you to an outstanding array of qualified employee benefits that can generate substantial savings for your employees…and for you. In fact, TASC estimates that its FlexSystemTM program can save employees nearly 30% on eligible expenses. In addition, the program saves employees matching social security tax for every dollar of employee participation.
Risk Management
Along with the potential advantages of offering a diversified, employee benefits package comes the challenge of managing costs and choosing the features and carriers most appropriate to your particular circumstances.
As an independent agency, we are able to offer competitively priced insurance coverages – including life, disability income and long-term care – from a wide range of carriers that utilize competitive underwriting, classifications and case management.
Our risk management experts will help you determine the most cost-effective approach and determine whether your coverage is adequate to insure your business’s (or family’s) protection.
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