Alternatives to a Financial Advisor for STRS Ohio Retirement Planning
What Ohio teachers can use instead of hiring a financial advisor for STRS Ohio retirement planning — free resources, paid guides, and where each one fits.
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All articles about The STRS Ohio Retirement Guide: Application, Plan of Payment & PLOP.
Best STRS Ohio Retirement Resource for Married Teachers Choosing a Payout Option
The best resources for married Ohio teachers deciding between Plan I, Plan II, and the PLOP — where to find the trade-off comparisons that matter for both spouses.
Best STRS Ohio Retirement Resource for Teachers Within Two Years of Retiring
The most useful resources for Ohio teachers 1-2 years from STRS Ohio retirement — ranked by what they cover, what they cost, and when to use each one.
How to Plan Your STRS Ohio Retirement Without a Financial Advisor
A step-by-step approach to navigating STRS Ohio retirement on your own — what to do, in what order, and where the free resources stop being enough.
Ohio Teacher Retirement Benefits 2026
What Ohio public school teachers receive from STRS Ohio in 2026 — pension formula, average benefits, COLA updates, health care subsidies, and the 32-year eligibility extension.
STRS Ohio Alternative Retirement Plan
How the STRS Ohio ARP works for higher education faculty — the 120-day election window, residual accounts, vendor options, and what happens at retirement.
STRS Ohio Retirement Benefit Calculation
How STRS Ohio calculates your retirement benefit: the 2.2% formula, Final Average Salary, service credit multiplier, and what determines your monthly pension.
STRS Ohio COLA 2026
STRS Ohio cost of living adjustment for 2026: how the Sustainable Benefit Plan framework determines COLAs, recent COLA history, and what retirees can expect.
STRS Ohio Combined Plan Retirement
How the STRS Ohio Combined Plan works at retirement — DB portion annuitization, DC account options, and the split irreversibility rules you need to know.
STRS Ohio Contribution Rate
Current STRS Ohio contribution rates for teachers and employers — how the 14% member and 14% employer contributions fund your pension and what it means for your paycheck.
STRS Ohio Disability Retirement
STRS Ohio disability retirement eligibility, application process, benefit calculations, and how disability benefits differ from service retirement.
STRS Ohio DOPO Divorce Pension Split
How divorce affects your STRS Ohio pension — Division of Property Orders, the 60-day deadline for returning noncompliant orders, plan of payment restrictions, and what to file before retirement.
STRS Ohio First Retirement Check Timeline
When your first STRS Ohio pension check arrives, why you may get partial payments, how payroll reconciliation works, and the 91-day PLOP disbursement rule.
STRS Ohio Funded Ratio and Investment Performance
STRS Ohio's current funded status, investment returns, pension reform history, and what the system's financial health means for your retirement benefit.
STRS Ohio Phased Retirement Program
How phased retirement works at Ohio public universities for STRS Ohio members — FTE reductions, FAS impact, health care eligibility, and what to watch before signing.
STRS Ohio Plan of Payment Options
Complete comparison of STRS Ohio plan of payment options: Single Life, Joint and Survivor, Annuity Certain, reversion vs without reversion, and how each affects your monthly benefit.
STRS Ohio PLOP Partial Lump Sum
How the STRS Ohio Partial Lump-Sum Option Plan works: eligible amounts, actuarial reduction factors, tax withholding rules, and rollover options for retiring teachers.
STRS Ohio Reemployment After Retirement
STRS Ohio rules for working after retirement: the 2-month waiting period, forfeiture penalties, substitute teaching rules, and how to avoid losing your pension check.
STRS Ohio Health Care Eligibility Retirees
STRS Ohio retiree health care eligibility rules, the 15-year coverage threshold, the 20-year premium-subsidy threshold, Medicare enrollment, and the 31-day enrollment window.
STRS Ohio Retirement Application Checklist
Step-by-step checklist for applying for STRS Ohio retirement: timeline, required forms, documents needed, and the 30-day filing deadline.
STRS Ohio Retirement Eligibility 2026
Current STRS Ohio retirement eligibility rules for 2026, including the 32-year unreduced benefit extension through 2035, reduced retirement options, and grandfathering protections.
STRS Ohio Retirement Estimate How to Read It
How to read and interpret your STRS Ohio retirement estimate statement, including benefit projections, plan of payment comparisons, and what the numbers actually mean.
STRS Ohio Retirement Guide vs. the Free Handbook
What the official STRS Ohio handbook covers and what it doesn't — and when a paid retirement guide that puts everything in filing order is worth the cost.
STRS Ohio Retirement Mistakes to Avoid
Common STRS Ohio retirement errors that cost educators money, from unpaid service credit to spousal consent oversights and reemployment penalties.
STRS Ohio Retirement Payout Options Explained
All STRS Ohio retirement payout options compared: Single Life vs Joint and Survivor vs Annuity Certain, PLOP combinations, and how to evaluate the trade-offs.
STRS Ohio Retirement Tax Withholding
How STRS Ohio pension income is taxed — federal and Ohio state withholding, 1099-R forms, PLOP tax treatment, and rollover strategies to reduce your tax bill.
STRS Ohio Service Credit Purchase
How to buy back STRS Ohio service credit before retirement: eligible types, military credit, restored service, rollover payment options, and the deadline that matters.
STRS Ohio Social Security Fairness Act
How the Social Security Fairness Act affects STRS Ohio retirees: WEP and GPO repeal, retroactive adjustments, and what Ohio teachers need to do now to claim full benefits.
STRS Ohio Spousal Consent Retirement
When STRS Ohio requires spousal consent for retirement, what the notarized form covers, and what happens if your spouse refuses to sign.
STRS Ohio vs OPERS Retirement
How STRS Ohio compares to OPERS for Ohio public employees — eligibility, benefit formulas, health care, and what happens when you have credit in both systems.