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"A goal without a plan

is just a wish."

– Antoine de Saint-Exupery

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.

Our Services

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:

The University of Toledo

Bowling Green State University

Owens Community College

Voya Financial Advisors is not affiliated with the colleges/universities listed above.

Together we can explore:

  • If the Ohio Alternative Retirement Plan (ARP) is right for you
  • The benefits of contributing to a 403b plan
  • How marriage or divorce can impact your financial plan
  • How to determine if you are saving enough for your future and your family
  • The best time for you to retire
  • How and when to access your account before retirement

Learning about Alternative Retirement Plan (ARP)

What does Ohio Alternative Retirement Plan (ARP) offer?
  • Control over the investments funding your primary retirement plan
  • Portability to move your vested account balances, without tax consequence, to other pre-tax retirement accounts or Individual Retirement Accounts when you leave employment
When do I have to decide between Ohio ARP and the traditional pension program offered by STRS/OPERS/SERS?
  • Within 120 days of your hire date as a full-time employee of an Ohio public college or university
  • If you make no election in the 120 days, you will default into the applicable Ohio pension system
  • This 120-day period is your only opportunity to elect Ohio ARP
Why do many employees choose Ohio ARP?
  • Immediate vesting of both the employee and employer contributions (at most local colleges and universities), allowing you to take your retirement assets with you if you leave the university
  • Investment flexibility - with ARP, you can select a portfolio of investments designed around your personal risk tolerance, investment objectives and timeframe for the money

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.

Schedule a Meeting

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.

Together we can:

  • Increase your understanding of pension benefits from STRS/SERS
  • Explore supplemental retirement options available to you as a K-12 employee (403b/ Roth 403b/ 457/ Roth 457) and the role they play in your financial future
  • Discuss tax deferral strategies for your severance
  • Consider the impact of Retire/Rehire options
  • Clarify payout options at retirement from STRS/SERS
  • Evaluate potential benefits of taking a Partial Lump-Sum Option Plan (PLOP) at retirement
  • Plan for your Required Minimum Distributions (RMD)

We work with many employees in K-12 schools throughout Northwest Ohio, including the following:

Allen East Local Schools

Anthony Wayne Schools

Bellevue Local Schools

ESC of Lake Erie West

Findlay City Schools

Fostoria City Schools

Genoa Area Local Schools

Hancock County ESC

Maumee City Schools

Ohio Virtual Academy

Patrick Henry Local Schools

Perrysburg Schools

Spencerville Local Schools

Springfield Local Schools

Sylvania Schools

Toledo Public Schools

Washington Local Schools

Voya Financial Advisors is not affiliated with the school districts listed above.

Schedule a Meeting

This graphic is courtesy of Egan, Berger & Weiner, LLC

Utilizing our 6-step process, we will address your needs and goals related to:

Asset Accumulation

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.

Retirement Income Planning

Creating a distribution strategy for converting your retirement assets into income.

Estate Planning

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.

Insurance Planning

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.

Education funding

Recommending investment and accumulation strategies to help you pay for your children's education.

Investment Management

Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending appropriate investment vehicles to help you reach your goals.

Schedule a Meeting

Our Team

Michael R. Landolt Photo

Michael R. Landolt

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Michael R. Landolt


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.

Matthew S. Snyder Photo

Matthew S. Snyder

Financial Adviser
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Matthew S. Snyder

Financial Adviser

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 A. Zellers Photo

Denise A. Zellers

Client Support Administrator, Financial Adviser
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Denise A. Zellers

Client Support ADMINIStRATOR, Financial Adviser

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.

Contact Us

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