We are committed to helping you identify and pursue your long-term financial goals.
Utilizing a comprehensive approach, we can help you navigate the accumulation, distribution, and legacy stages of financial planning. Together, we can develop the personalized plan you deserve to create the future you desire.
We focus our practice on building futures for those serving our community in the K-12 and higher education systems. We also help people from all backgrounds build wealth beyond employer-sponsored options. Together we can lay out a roadmap to your bright financial future.
Whether you’re newly hired or well into your career at an Ohio college or university, we can assist you in developing a plan for building wealth and minimizing taxes.
New hires have an important decision to make in a short period of time. Within the first 120 days of your full-time employment, you must choose between the Ohio Alternative Retirement Plan (ARP) and the state pension plan (STRS/OPERS/SERS).
If you are an established employee, we can guide you through the supplemental investment opportunities available to you, including 403b plans.
We work primarily with the following Northwest Ohio schools:
Voya Financial Advisors is not affiliated with the colleges/universities listed above.
Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company, One Orange Way, Windsor, CT 06095-4774. Securities are distributed by Voya Financial Partners LLC (member SIPC). All companies are members of the Voya® family of companies. Securities may also be distributed through other broker-dealers with which Voya has selling agreements. Insurance obligations are the responsibility of each individual company. Product and services may not be available in all states.
Neither Ohio Alternative Retirement Plan (ARP) nor the state pension plan (STRS/OPERS/SERS) is a one size fits all solution.
We look forward to meeting with you to explore the plan options and your individual needs so you can make your best choice.
From investment options while working, to important decisions at retirement, you have unique financial planning opportunities. We strive to help you navigate these options to build wealth and minimize taxes throughout your career.
We work with many employees in K-12 schools throughout Northwest Ohio, including the following:
Voya Financial Advisors is not affiliated with the school districts listed above.
This graphic is courtesy of Egan, Berger & Weiner, LLC
Utilizing our 6-step process, we will address your needs and goals related to:
Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement.
Creating a distribution strategy for converting your retirement assets into income.
Helping with strategies to preserve your estate for your intended heirs. Potentially reducing exposure to estate taxes and probate costs. Coordinating with tax and legal advisors.
Assessing needs and options for Life, Disability and Long-Term Care insurance policies. Finding the best policy for your situation. Recommending policy changes when appropriate.
Recommending investment and accumulation strategies to help you pay for your children's education.
Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending appropriate investment vehicles to help you reach your goals.
Michael is committed to helping his clients pursue their long-term financial goals. He uses a holistic approach to his planning work with clients and offers financial products and services tailored to meet clients’ individual needs.
Michael has over 20 years of experience with Voya Financial Advisors, Inc. in Toledo, Ohio. He is an Investment Adviser Representative and CERTIFIED FINANCIAL PLANNER™ practitioner. He is an active member of the Toledo Chapter of The Society of Financial Services Professionals. Michael graduated from the University of Toledo with a Bachelor of Business Administration with a concentration in Finance. He lives in Temperance, Michigan with his wife and two beautiful daughters.
Matt’s focus is on providing detailed, thoughtful strategies and a high level of service to the investment and retirement planning process for his clients. Matt began his career in financial services in July of 2001. Since that time, he has helped many clients reach their financial goals through comprehensive financial planning, employer sponsored retirement plans, mutual funds, IRAs, college funding and life insurance.
Matt graduated from Ohio University with a Bachelor of Science in 2002. He spent 9 years in marketing and sales for multiple divisions of the Sherwin-Williams paint company in Cleveland, Ohio before relocating to the Toledo area.
Matt is an Investment Adviser Representative of Voya Financial Advisors and holds FINRA Series 7 and 66 securities registrations. He also holds Life, Health, Accident Insurance and Variable Annuity product licenses.
Matt currently lives in Sylvania, Ohio with his wife Juli and their three children, Abby, Ryan and Reagan.
Denise is dedicated to ensuring each client’s needs are taken care of in a courteous and timely manner. With extensive experience in office administration and customer service across a variety of industries, she strives to provide the highest level of client support.
Prior to joining our team in 2018, Denise worked in the field of special education as an Early Intervention Developmental Specialist and an Adjunct Instructor at Bowling Green State University.
Denise is an Investment Adviser Representative of Voya Financial Advisors and holds a FINRA Series 6 registration, as well as Life and Variable Annuity product licenses.
Born and raised in Toledo, Ohio, Denise enjoys volunteering throughout our community and going for walks with her retired therapy dog, Phooey.
To discuss your goals and our services in more detail, please provide your information below.
Please use this link to view your Pershing accounts along with Pershing and Voya generated account documents. Our Financial Organization Number is: 3Z1
