For over 20 years, Three Creeks Capital founder, Todd J. Gourno, CFP®, has helped Ohio Public Employees unlock the full potential of their Ohio pensions. Having worked and contributed to Ohio's public pension systems for seven years provides 3 Creeks with a distinct advantage over our competitors. Our unique understanding of how the Ohio pensions work, and how to maximize the benefits, makes us unique in our industry. We can be most valuable to Ohio public employees with investment assets of at least $250,000 with household income of $100,000 or more.
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We believe that the people who serve our communities—teachers, professors, police officers, firefighters, and state, city, and local workers—deserve the same exceptional financial advice typically reserved for wealthy clients. This belief is the driving force behind everything we do at 3 Creeks Capital. Our mission is to provide Ohio public employees/ Servants with the financial advice and support they need to have more money today and in retirement, to avoid costly financial mistakes and to educate people about what they don’t know. Too often Ohio public employees are given advice that is not in their best interest. We’re here to change that. This is our WHY. This is why we get out of bed every day.
We combine our pension training, knowledge, and experience with our Certified Financial Planner designation to offer financial advice to Ohio public employees that’s in their best interest, not the advisor’s. With seven years working for STRS Ohio and as a paying member of OPERS, along with our advisor who is a former police officer and member of OP&F, we offer a unique approach to advising clients. We were trained by the pension systems, paid into the systems (like our clients), and provide advice to maximize income and avoid costly pension mistakes.
Our team combines firsthand knowledge of the Ohio pension systems with the rigorous standards of Certified Financial Planner (CFP) certification to deliver unparalleled financial advice.
We review and advise you on your retirement applications, PLOP, and DROP options. We assess your insurance needs, helping you determine whether to adjust your coverage based on your employer benefits, Ohio pension coverage, or Social Security.
We analyze your current investment holdings, educating you on expenses, risk, and returns. We help you determine the best investment strategy and plan for your needs. We review your taxes and suggest changes to minimize your tax burden. We discuss and educate you on estate planning issues, connecting you with local attorneys to ensure your wishes are properly documented. Additionally, we analyze better ways to manage your debt, helping you keep more money in your pocket and pay less in interest to the bank. At Three Creeks Capital, we provide comprehensive financial advice to maximize your income and secure your financial future.
Our financial planning approach is based upon knowledge gained in decades of employment & membership at three Ohio pension systems.
