Ohio State University (OSU) Retirement Planning

University Employees

Specialized OSU Retirement Planning

As a staff member of The Ohio State University, you are required to participate in one of the following public retirement systems:

Alternative Retirement Plan (ARP)

Ohio Public Employees Retirement System (OPERS)

It is important that you understand your options so you can pick the one that best fits your savings objectives. 

At rebel Financial, you can be confident in picking the option best fit for your retirement goals at the Ohio State University.

What We Can Offer You

Ohio State University Retirement Planning

We protect our clients from risks associated with working with a smaller firm by utilizing large custodians to hold our clients’ assets. Generally, we serve you by managing your ARP, 403b, and/or Deferred Compensation retirement accounts through Fidelity and/or TIAA CREF. In doing so we are able to save our clients ~20-50% versus the other advisor driven annuity options.

Example -Gold Level University Clients Cost Comparison

Currently, OSU does not have 3rd Party Fee Billing so our alternative fee schedule applies to any/all ARP/403b/457b accounts, which our clients pay us via Paypal. Also, if you hold other IRA or after-tax accounts with us our general fee schedule would apply.

Average retirement annuity:
Mortality & Expense & Other (M&E&O) Charge: ~1.15%/yr.
Average investment option net Management Fee: ~1.1%/yr.
Total Average cost to the employee: ~2.25%/yr

Retirement Plan with rF (TIAA CREF or Fidelity):
Mortality & Expense & Other (M&E&O) Charge for TIAA CREF: 0.1%/yr.
— Fidelity does not generally provide annuities so there is no M&E&O charge.
Average investment option net Management Fee: ~0.42%/yr.
— From current recommended allocation as of Jan 1, 2017.
Average RIA fee: ~0.8%/yr.

Total cost to the employee: ~1.27%/yr.*

*About 43% savings!
*Plus, there are no surrender charges because there are no commissions.
*Plus, you can fire us without changing plans or transferring funds.  Again, there are no strings attached.

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