Welcome to OPRS, your Go-To knowledge base about retiring in Ohio and the U.S.

Sweepstakes and Lottery Scams: You Cannot Win a Contest You Never Entered
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One Partner Wants a Gold IRA, the Other Doesn’t: The Written-Facts Checklist
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Paper-check 401(k) rollover risk: 20 percent withholding, lost checks, and how to demand a direct wire
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Augusta Shipping and Account Setup Timeline: What to Expect After the Call
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ERISA plan document request: the written letter, the 30-day clock, and the 110 dollar per day penalty
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How to read your 401(k) 404(a)(5) participant fee disclosure: the annual document, line by line
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Qualified vs Non-Qualified Annuity: Which Exit Path You Actually Have
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Where a TSP Rollover Can Go: Traditional IRA, Roth IRA, New Employer Plan, or Self-Directed IRA
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Your TSP Post-Separation Distribution Options: The Four Methods, Documented
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TSP Spousal Rights: Consent Under 5 U.S. Code 8435 and the RBCO Court Order Process
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The TSP MetLife Annuity: How the Purchase, Options, and Pricing Actually Work
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TSP Lifecycle (L) Funds: The Glide Path, the Quarterly Rebalance, and the Merger into L Income
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TSP Installment Payments: Fixed Dollar, Fixed Years, or Life Expectancy
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TSP Distribution Withholding: The Federal 20 Percent, W-4P, and State Rules
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