I serve individuals, families, and business owners across the country by creating financial plans that bring clarity and reduce confusion. Timothy P.
McKee, CPA
I am a flat fee financial planner offering fiduciary, fee-only financial advice in Ohio and across the country. I am a Certified Public Accountant licensed in Ohio and Pennsylvania, with a Personal Financial Specialist credential. As a CPA, I bring an emphasis on tax efficiency to financial planning. I consider the tax impact of planning strategies to be critical to properly serving ind
09/05/2026
When at S&T Bank, I was responsible for overseeing the pension and 401(k) plan. I enjoyed that part of my job a lot.
If you are new to 401(k) plans or need a refresher, click on the link below for a short piece that I wrote about these plans.
If you need help with your own 401(k) account, let me know. I would be happy to help.
https://www.mckeepfs.com/blog.php?id=7
09/01/2026
Financial planning for loved ones with special needs requires a thoughtful, coordinated approach.
Families must balance long‑term care, legal protections, government benefits, and financial stability — all while ensuring dignity, independence, and quality of life.
Read more
https://www.mckeepfs.com/blog.php?id=13
08/18/2026
Are you married? What do you know about the Widow’s Tax?
Losing a spouse is devastating enough. Then the IRS sends a tax bill that's thousands of dollars higher — on the same income.
Here's why it happens and what you can do about it now.
Link to my article is in the first comment below.
08/02/2026
The way your financial advisor is paid determines their behavior. They may recommend something to you not because it is in your best interest, but because they reap the financial rewards for it.
Read more https://www.mckeepfs.com/blog.php?id=9
Not sure what financial areas you should consider for planning?
Take a look at this Master List of Goals.
https://cpanel2.cpasitesolutions.com/~mckeepfs/images/Master-List-Of-Goals.pdf
Let me know if you need to talk about your financial goals.
08/01/2026
Will you be in a higher tax bracket in retirement?
After Social Security, pensions, and other income, retirees can end up in a higher tax bracket than they expected.
So said an article in USA Today (7/22).
I wrote two articles about how Roth Conversions could help you better manage taxes on your retirement income:
Roth Conversion
https://www.mckeepfs.com/blog.php?id=11
Backdoor & MegaRoth Conversions
https://www.mckeepfs.com/blog.php?id=10
If you want help figuring it out, on tact me.
06/15/2026
Could a vacation or second home fit into your life? Ever think about it?
Owning a vacation (or second) home can be a deeply personal decision — a place to unwind, gather with family, or create lasting memories. But it’s also a meaningful financial decision that touches many parts of your overall plan.
Click on the article below for what to consider when thinking about a vacation or second home.
https://www.mckeepfs.com/blog.php?id=8
01/16/2026
11/20/2025
A residuary clause is the part of your will that distributes the “residue” of your estate. This residue includes any assets left after specific bequests, debts, taxes and administrative costs have been paid. It might include forgotten bank accounts, newly acquired property or investments you didn’t specifically name in your will. Failing to include a residuary clause can create problems. When assets aren’t covered by specific instructions in a will, they’re considered “intestate property.” This means those assets will be distributed according to state intestacy laws rather than your personal wishes. Contact us at (440) 505-5699 for more details.
11/11/2025
Can you convert unused paid time off (PTO) into retirement contributions?
Possibly.
This creative solution helps support workers’ financial wellness while potentially easing staffing shortages and increasing retirement plan participation is a PTO contribution arrangement. It allows employees with unused vacation hours to convert them to contributions to their retirement accounts.
Many workers value growing their savings over amassing PTO. Just bear in mind that you’ll face challenges such as amending your plan document, overseeing compliance and clearly communicating with participants.
Contact us at (440) 505-5699 for help determining whether a PTO contribution arrangement is right for your organization.
11/10/2025
Thinking about a hardship withdrawal from your 401(k)? Don’t.
401(k) plans help you save for retirement. But they may offer an option to take hardship withdrawals for medical bills, tuition or funeral costs (among other eligible expenses). Unlike loans, hardship withdrawals don’t have to be repaid. However, a withdrawal comes with a hefty price tag: you'll need to pay income tax and possibly a 10% early withdrawal penalty. This, in my opinion, is a last resort.
Contact us at (440) 505-5699 for details.