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Area Memorial Day events

24-05-2015 Hits:59 Around Ottawa County  - avatar Jasmine Cupp

Area Memorial Day events

Port Clinton A Memorial Day ceremony will be held at the Port Clinton Yacht Club at 9 a.m. to honor those who served our country and perished at sea. A Memorial Day...

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Bay Point Yacht Club goes mainstream

23-05-2015 Hits:150 Business  - avatar John Schaffner

Bay Point Yacht Club goes mainstream

The Flag Officers of Bay Point Yacht Club proudly stand in front of their new clubhouse. (L-R): Rear Commodore Jim Kollmann, Commodore Mike Penney and Vice Commodore Ray Ditmar. When life...

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Walleye Fest is back!

21-05-2015 Hits:525 Around Ottawa County  - avatar Jasmine Cupp

Walleye Fest is back!

Last year’s Walleye Festival. May 21-25 marks the 35th annual Walleye Festival on the shores of Lake Erie in Waterworks Park in downtown Port Clinton. The festival will be open Thursday...

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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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