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Port Clinton garage sale permit

03-05-2015 Hits:261 Around Ottawa County  - avatar Jasmine Cupp

Port Clinton garage sale permit

New to the 2015 garage sale season is the need for a City of Port Clinton garage sale permit per Chapter 707 of the Codified Ordinances of the City. An...

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PCCS featured in statewide magazine 

03-05-2015 Hits:126 Schools  - avatar Jasmine Cupp

PCCS featured in statewide magazine 

David Belden, PCCS Board of Education President, with the kindergarten class. The Port Clinton City School District is highlighted in the latest issue of the Ohio School Boards Association (OSBA) Journal...

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2015 OSS billboard contest

02-05-2015 Hits:98 Around Ottawa County  - avatar Jasmine Cupp

2015 OSS billboard contest

Ottawa, Sandusky and Seneca County fifth grade students had the opportunity to participate in the OSS Solid Waste District’s billboard contest. The contest is run annually and the billboards will...

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Individual retirement account basics

A traditional Individual Retirement Account (IRA) is an account that has been funded by pretax dollars that are held by a custodian until you reach the age of retirement. With Baby boomers reaching that age, these accounts will become very important in determining when a person can retire and continue to have sufficient assets to live a comfortable life.  Until now,   many people never paid much attention to this account because they knew that they could not use the funds.  Setting aside the fact that these funds have greatly declined in value over the past two years, it is imperative that one understands how these accounts function and what check list should be used to insure that everything with the account is in order.

Structure of the account

This account is in your personal name. The funds are held by a custodian who is the plan administrator. This account has a named beneficiary designation.   Everyone should have a written copy of the beneficiary designation form for each account. Most married individuals have their spouse as the beneficiary. When I ask who the second beneficiary is or a contingent beneficiary they do not know. Be sure to have someone named and also be sure to have written proof of the named beneficiaries.  With all of the banks merging, going out of business and just changing names, your actual documentation can be lost in the shuffle. It is recommended that you contact the custodian of your IRA and ask for proof of beneficiaries.   Determine if your form is complete with a written primary beneficiary and a contingent beneficiary. 

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McIntire attends Social Security seminar

Chris McIntire, President and Founder of McIntire Retirement Services with offices in Perrysburg, Fremont and Port Clinton, recently attended a two-day Social Security seminar in Cincinnati. Premier Living, a Social Security consulting firm based out of Sharonville, Ohio, held the

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