Gregory Ostrowski

My Process

For over 20 years, I've helped corporate employees, federal workers, and retirees make the most consequential financial decisions of their lives — when to retire, how to handle a pension buyout, what to do with a 401(k) when leaving an employer, and how to turn decades of savings into income that lasts. Who I work with -- Most of my clients are between 50 and 70 and are within a decade of retirement or already there. Many came to Scarborough years earlier through our subscription-based management of their workplace plan — a 401(k), 403(b), or Thrift Savings Plan — and stayed with us as they rolled their savings into IRAs and moved into the wealth management phase of their financial lives. How I help -- My focus areas reflect the decisions that matter most in this stage of life: • Retirement income planning — turning savings into a paycheck that lasts • 401(k), 403(b) & TSP management while you're still working • 401(k)-to-IRA rollover strategy at retirement • Pension buyout analysis — lump sum vs. monthly, modeled for your situation • Social Security claiming strategies My approach -- Protection-first, then growth. The closer you are to retirement, the less room you have to recover from a major loss, and our strategy aims to reflect that. As a CFP®, ChFC®, CRPC®, and Behavioral Financial Advisor™, I draw on both technical expertise and behavioral coaching — because the biggest threat to most retirement plans isn't the market, it's the decisions people make when the market gets loud. If you're within a few years of retirement, weighing a pension decision, or wondering what to do with a 401(k) from a current or former employer, I'd be glad to talk.