Fourth Dimension Financial Group

Business Details

Your Trusted Financial Advisers in Perrysburg, OH

Fourth Dimension Financial Group is a dedicated team of financial professionals specializing in retirement planning and wealth management. With a focus on personalized strategies, we help clients navigate complex financial decisions including estate planning, investment management, and Social Security optimization. Our team combines local expertise with national resources to deliver tailored solutions that address individual needs. We prioritize transparency, client education, and long-term relationships built on trust.

Our services are designed to help families in Northwest Ohio and Southeastern Michigan achieve financial security and retire with confidence. By integrating risk management and tax-efficient strategies, we aim to protect and grow client assets throughout their lifetime. Our commitment to excellence is reflected in our comprehensive approach to retirement income planning and ongoing support for clients' evolving needs.

Services

Retirement Income Planning Estate Planning Investment Management Long Term Care Planning Pension Decisions Tax Planning Risk Management Social Security Planning Financial Planning for CPAs Portfolio Tax Efficiency

Highlights and features

We offer personalized retirement strategies tailored to individual financial goals.
Our team combines local expertise with national resources for comprehensive planning.
We prioritize transparency in fees and investment strategies.
We provide education-focused consultations to empower client decision-making.
Our services integrate risk management and tax-efficient solutions.

Website

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Services

Retirement Income Planning

Our retirement income planning service creates customized strategies to convert savings into sustainable lifetime income. We analyze Social Security optimization, pension options, and investment withdrawals to ensure financial stability throughout retirement. By balancing guaranteed income sources with growth-oriented investments, we help clients maintain their lifestyle while managing market risks and longevity concerns.

Estate Planning

Estate planning services focus on protecting assets and ensuring proper distribution according to client wishes. We coordinate with legal professionals to create wills, trusts, and advanced directives that minimize taxes and probate challenges. Our approach addresses beneficiary designations, business succession, and protection for vulnerable heirs while maintaining flexibility for changing circumstances.

Investment Management

Our investment management service builds diversified portfolios aligned with risk tolerance and financial goals. We implement tax-efficient strategies using stocks, bonds, and alternative investments while maintaining disciplined rebalancing. The approach combines market analysis with behavioral coaching to help clients stay focused on long-term objectives through market fluctuations and economic changes.

Long Term Care Planning

Long term care planning addresses potential healthcare costs in retirement through comprehensive risk assessment. We evaluate insurance options, hybrid policies, and self-funding strategies while considering Medicaid eligibility and asset protection. Our planning helps clients balance immediate financial needs with future care requirements while maintaining family financial security.

Social Security Claiming Planning

Social Security optimization analyzes claiming strategies to maximize lifetime benefits. We evaluate spousal benefits, delayed retirement credits, and tax implications for coordinated household strategies. Our analysis considers life expectancy, income needs, and other retirement assets to determine optimal claiming timelines that enhance overall retirement income sustainability.

People

Adam Cufr

Principal, Retirement Income Certified Professional

Adam Cufr specializes in retirement income planning with expertise in creating sustainable withdrawal strategies. He focuses on helping clients maximize retirement benefits while managing market risks through diversified investment approaches.

Dave Bensch

Certified Financial Planner Professional, IRS Enrolled Agent

Dave Bensch provides comprehensive financial planning services with dual expertise in investment management and tax strategies. His background includes optimizing retirement plans for tax efficiency and developing customized investment portfolios.

Stephen L. Hanley

Chief Investment Strategist

Stephen Hanley oversees investment strategy development with focus on risk management and portfolio optimization. He specializes in creating diversified investment approaches that balance growth potential with capital preservation for retirement portfolios.

Questions

How do I know if I'm ready to retire?

Evaluate your retirement savings, projected expenses, and income sources. Our team analyzes these factors to determine readiness and identify any gaps needing attention before retirement.

When should I claim Social Security benefits?

Optimal timing depends on your health, life expectancy, and financial needs. We analyze your specific situation to recommend the most beneficial claiming strategy.

What's the difference between a will and a trust?

A will directs asset distribution after death, while a trust manages assets during life and avoids probate. Trusts offer more control over asset distribution and protection.

How do you manage investment risks?

We use diversified portfolios, regular rebalancing, and risk assessment tools to match investments with your risk tolerance and financial goals while maintaining long-term growth potential.

What are the costs of long term care?

In Ohio, annual costs range from $54,000 for in-home care to $109,000 for facility care. We help plan for these expenses through insurance options and strategic savings approaches.

Can I change my pension payout option?

Pension choices are typically final once selected. We analyze various scenarios to help you make informed decisions before committing to a pension payout structure.

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Reviews (6)

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Janet Penka

Sep 06, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
I have been trusting Adam and Dave at Fourth Dimension Financial Group with my retirement plan for several years now. They are excellent at answering any questions I may have as I proceed through my retirement years. They are always accessible and professional. Thanks, Adam and Dave!

Kathy Mannon

Sep 04, 2021 Report

Trying to navigate toward retirement can be daunting and confusing. I appreciate the efforts made by Fourth Dimension in understanding my risk comfort level, explaining things in a manner I can understand without all the fancy lingo, and their willingness to field random questions that I throw out there as they cross my thoughts. As my retirement date is now in sight, it gives me great peace and excitement knowing they've helped me get there comfortably. Integrity, honesty, and just all around good people who have become dear friends. Highly recommend you meet with them--even if it's just to hear

Barbara Smithers

Sep 02, 2021 Report

Its always a joy to spend time with Adam at The Fourth Dimension Financial Group. He has a way of making me feel valued by showing interest in my personal life first before he asks about the concerns I have about my finances. If Adam doesnt have the answer at that moment, he will respond later by email. He has great advice and I trust him fully.

Jason Smithers

Aug 26, 2021 Report

The team over at Fourth Dimension have been managing our assets for over 10+ years. Adam and the team take such an amazing person-first approach to financial planning. I often tell him I feel like he is my counselor more than my financial advisor. They don't look at you as dollar signs or a number. They start with your personal pain points, your dreams, and your goals first before getting technical. I honestly feel like they are in a category of their own. If you want a holistic approach to financial planning that WORKS, go with Fourth Dimension. I recommend them to everyone.

Dan Henery

Jan 15, 2013 Report

I have relied on Adam and his staff numerous times to provide exceptional service to me and to my clients. I have complete confidence in their ability to arrive at a custom financial plan that will serve the best interests of their client.

Richard Chamberlain

Jul 17, 2012 Report

Adam Cufr and his team at Fourth Dimension Financial do an excellent job with helping their clients identify their specific financial planning issues and helping them make plans for security and certainty for their financial lives. Whether someone is looking for a plan to guarantee their retirement income for the rest of their lives, or needs insurance to meet a planning need, or wants someone to help them create and manage their investment portfolio, I am comfortable sending them to Adam.