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Squirt Gun Run kicks PC July 4 off with …

06-07-2015 Hits:154

Squirt Gun Run kicks PC July 4 off with a boom

Star Spangled Squirt Gun Run coordinator Gabe DeFreitas sounds the horn and takes off as runners start the race. On July 4 at 9 a.m. nearly 350 runners took to the...

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Salvation Army’s Camp NEOSA

06-07-2015 Hits:112

Salvation Army’s Camp NEOSA

On June 24, fifty five children from Ottawa County got up early, loaded up on a chartered bus filled with snacks and movies and headed to Camp NEOSA in Carrollton...

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Lake Erie harmful algal bloom projection

05-07-2015 Hits:239

Lake Erie harmful algal bloom projection

Highest discharge yet recorded for the Maumee River On Monday, June 29, the National Centers for Coastal Ocean Science and the National Center for Water Quality Research released their seventh projection...

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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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