Ohio Police & Fire Guide

Our FREE OP&F Guide is now available!

This guide is for Ohio Police and Fire members and answers many of the questions we’ve been asked over the years by our OP&F clients.

This consolidated guide simplifies the OP&F website and the retirement planning process. It covers some of the most misunderstood topics when it comes to preparing for retirement as an OP&F member. We share some examples of the most important things to consider when it comes to retiring. Some of the topics we discuss include:

DROP - Understanding DROP and your pre-retirement survivor annuity.
Plan of Payment - Don't leave a significant amount on the table when selecting your payment plan.
WEP / GPO - Understanding how the WEP /GPO can affect your Social Security.
Survivor and Disability Benefits - Knowing your survivor and disability benefits are essential when preparing for retirement or creating a financial plan.

Recent posts

2024 Q4 Quarterly Newletter

Todd J. Gourno, CFP®

Ohio Deferred Comp vs Mission Square

Ryan A. Mink, ChFC®, CRPS®

STRS Ohio: Should YOU be Concerned about YOUR Pension

Todd J. Gourno, CFP®

2024 Q3 Quarterly Newsletter

Todd J. Gourno, CFP®

How Can Ohio Police and Fire Members can take advantage of their Re-Employment Contributions?

Ryan A. Mink, ChFC®, CRPS®

View the OPERS Video Library

View the STRS Video Library

View the OP&F Video Library

Financial advice from REAL people who know the system from the inside - a former Ohio STRS Ohio employee and OPERS member, and a former Ohio police officer and OP&F member.

Click to Talk with an Advisor

Check the background of your financial professional on FINRA's BrokerCheck. Securities and advisory services offered through Registered Representatives of Cetera Advisors LLC (doing insurance business in CA as CFGA Insurance Agency LLC), member FINRA, SIPC, a broker/dealer and a Registered Investment Advisor. Cetera is under separate ownership from any other named entity.

This site is published for residents of the United States only. Registered Representatives of Cetera Advisors LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information please contact the representative(s) listed on the site, visit the Cetera Advisors LLC site at ceteraadvisors.com

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.