Welcome to our Maryland Optional Retirement Plan blog.  We write posts about the ORP for employees at Public Maryland Higher Education institutions.  We also write about other retirement topics that people nearing retirement may find helpful.

Tuesday, October 17, 2023

Social Security benefits play a crucial role in the financial well-being of millions of Americans. Deciding when to start collecting these benefits is a significant decision that can have a lasting impact on your retirement income. In...

Monday, February 27, 2023

Does Your Portfolio Fit Your Retirement Lifestyle?Most portfolios are constructed based on an individual's investment objective, risk tolerance, and time horizon.Using these inputs and sophisticated portfolio-optimization calculations,...

Tuesday, January 3, 2023

As a retiree from a public higher education institution in Maryland you may have access to subsidized health care through the college. It is important to understand rules around ORP distributions to make sure you can maintain coverage.

Thursday, September 29, 2022

Which is better? The pension or the Optional Retirement Plan in Maryland. If you were recently hired and trying to make a decision, the following summary may help you decide.

Friday, September 9, 2022

What is the Maryland Optional Retirement Plan (ORP)? The ORP is an option that employees of a public Maryland Higher Education institution can choose over the Maryland Teacher's Pension system when they are hired.