Three Creeks Capital Management

Financial planner in Columbus, OH (show on map)

5.0

★★★★★

50 reviews

Financial advisors specializing in Ohio public pensions, offering personalized planning to maximize retirement income and avoid costly mistakes.

Call (614) 486-4614

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About

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 timing Evaluation 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 Pensioners 2026 Tax Cheat Sheet Retire-Rehire Guide Sequence of Returns Analysis

Credentials & Certifications

CFP® (Certified Financial Planner)

Since 2005

Member of OPERS and STRS Ohio (former)

Since 2010

Reviews

Rating

★★★★★

Reviews

"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.