Michigan ORS

Big Plans. Small Steps.

Michigan ORS is an innovative retirement organization driven to empower our customers for a successful today and a secure tomorrow.

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Swimming in good news this pension payday!

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Each year we receive more than 100 documents informing us of a divorce. If you divorce after retirement, your pension will not be affected unless you elected a survivor option. To change your survivor option, you must submit a Domestic Relations Order. https://t.co/1mEKVBPwhq

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We often worry about outliving our savings, but is it possible to overcorrect? "Retirement underspending" is a real trend that can prevent you from living a fulfilling life and enjoying the milestones you’ve worked decades to earn.
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From higher contribution limits and a new “super catch-up” option to shifting rules on healthcare subsidies and charitable giving, retirement planning looks a bit different in 2026.
https://t.co/f6hChRhd7L

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Retirement means a new chapter, a new road, and a new adventure. #MotivationalMonday

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Planning for retirement? Some states don’t tax pensions, 401(k)s, or Social Security —helping your savings go further. If a tax friendly retirement is on your list, check out which states offer the biggest advantage. https://t.co/RHTCL4qFg4

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Summer is a great time for a retirement check-in. Reviewing your contributions, investments, and retirement goals now can help keep your long-term plans on track. https://t.co/Gn4siMdR97

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Sometimes retirement isn’t all sunshine and roses. Small decisions made at retirement can lead to big regrets. What's your biggest retirement regret?
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People in their 50s are often balancing careers, family responsibilities, and retirement planning — but a few common missteps can still derail long-term savings. https://t.co/cM1Yt06VNR

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Millions of Americans know how to save for retirement, but many don’t have a clear plan for turning savings into steady income. Without a withdrawal strategy, retirees risk either running out of money or not fully using the savings they worked to build. https://t.co/p15ItbYC2p

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Les and Jane Hall stay busy in retirement — from birding, to gardening and running a "repurposing shop" in Michigan. The couple shares what keeps them going and advice to future retirees. Share your retirement story with us at [email protected].
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A will is only effective if it’s clear, current, and legally sound. Taking time to review your estate plan now can help ensure your wishes are carried out and spare your loved ones from costly disputes later. https://t.co/jBg3tNQosq

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Dreaming of retiring early? Make sure you’re planning for more than just your retirement date. Healthcare costs, income needs, and longevity can all play a major role in your financial future. https://t.co/BZswGsWCZc

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Required minimum distributions are an important part of retirement planning. Knowing when they begin and how they’re calculated can help you avoid costly penalties and stay on track with your retirement goals. https://t.co/gdau6eKFQ9

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A loan from your workplace retirement plan may seem like a quick fix, but it can come with long-term consequences. Before borrowing, make sure you understand the potential impact on your future retirement savings. https://t.co/6aCJUCD4U9

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The ORS office is closed today, Friday, July 3 in honor of the Fourth of July holiday tomorrow. We’ll be back and ready to serve you on Monday, July 6.

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Retirement planning has come a long way over the past 50 years. From pensions and IRAs to 401(k)s and Roth accounts, the tools may have changed, but the goal remains the same: building a secure future. https://t.co/0jHOeIRmNI

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Financial wisdom never goes out of style. America’s founders shared these lessons that can still help build a stronger financial future today. https://t.co/BptICMS6LF

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Retirement planning doesn’t end when you stop working because tax decisions can affect how much of your savings you keep. A tax-efficient strategy could help your money go further and protect more of your legacy. https://t.co/fPZqwMNeVv

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Millennials report feeling the biggest impact from competing financial priorities like student loans, childcare costs, and saving for retirement. What financial goal are you balancing with your retirement savings right now? https://t.co/1Zp3exVTN7