Founded by Todd J. Gourno, a CERTIFIED FINANCIAL PLANNER™ with seven years of experience as an OPERS and STRS Ohio member, 3 Creeks Capital combines deep knowledge of Ohio's public pension systems with rigorous CFP® certification to deliver personalized, best-interest financial advice. Th
e firm specializes in helping Ohio public employees—teachers, police officers, firefighters, and state workers—maximize their pension benefits, avoid costly mistakes, and achieve secure retirement outcomes. Services include comprehensive financial planning, investment management, tax planning, and education on Ohio pension options such as PLOP/DROP strategies and joint survivor annuities.
Deep knowledge of Ohio pension systems (OPERS, STRS, OP&F)
Former members of the pension systems providing insider expertise
CFP® certification ensuring fiduciary standards
Proprietary DROP analysis tool
Complimentary educational e-guides for Ohio public employees
Services
Pension Payment Strategies
Guidance on choosing retirement payment plans to avoid costly mistakes, focusing on joint and survivor annuity options for OPERS and STRS Ohio members.
Avoiding the #1 retirement mistake that can cost $100k+Personalized analysis of joint survivor annuity options
PLOP/DROP Analysis
Specialized analysis of Partial Lump Sum Option (PLOP) and Deferred Retirement Option Program (DROP) strategies for OP&F members.
Proprietary DROP analysis to determine optimal DROP entry timingEvaluation of PLOP amounts and survivor options
Complimentary Financial Guides
Access to a collection of e-guides covering retirement mistakes, tax strategies, and pension education for Ohio public employees.
Top 5 Mistakes Made by Ohio Public Pensioners2026 Tax Cheat SheetRetire-Rehire GuideSequence of Returns Analysis
Credentials & Certifications
CFP® (Certified Financial Planner)
Since 2005
Member of OPERS and STRS Ohio (former)
Since 2010
Reviews
Rating
5
★★★★★
Reviews
50
"Thorough advice and personal attention to our specific needs."
Frequently Asked Questions
What is the #1 retirement mistake Ohio public pensioners make? +
Choosing the wrong Plan of Payment (joint and survivor annuity) can cost $100k+ in lost retirement income.
How can I avoid costly PLOP decisions? +
Consult with 3 Creeks Capital for a second opinion before taking a max PLOP, as improper PLOP amounts can significantly reduce retirement income.
What is a DROP and how does it affect my retirement? +
DROP (Deferred Retirement Option Program) allows eligible police officers and firefighters to accumulate pension payments while employed. Misunderstanding joint survivor annuity options in DROP can lead to long-term financial consequences.
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