Our Promise
Your OUC Benefits, Simplified.
OUC employees have several retirement benefits, but understanding how your pension, 401(a), 457(b), and HRA work together can be confusing. Brick Retirement Group helps employees across every department and career level bring those benefits together into one clear retirement strategy. We make the process easy to understand, answer your questions, and help you feel confident about the road ahead.
No pressure. Just a conversation about your future, to see if we can help.
Your OUC retirement benefits work together through multiple income sources, tax buckets, and healthcare support. Put together the right way, they can add up to a retirement you feel genuinely good about.
YOUR RETIREMENT. OUR FOCUS.
The Four Retirement Buckets
OUC gives you four different benefits to work with. On their own, they're just line items on a statement. Together, they're the foundation of your retirement. Here's what each one does for you.
Cash Balance Pension Plan
Your guaranteed paycheck for life, no matter how long retirement lasts.
401(a) Plan
Your employer-matched savings, built to grow over your career.
Retiree Health Reimbursement Account (HRA)
Money set aside to help cover healthcare costs and insurance premiums down the road.
457(b) Deferred Compensation Plan
Extra savings with more flexibility than almost any other account you'll have.
Retirement Income Waterfall
Here's the part most people never get walked through: the order these benefits should work together, and what role each one plays.
Foundation income you can count on.
Your guaranteed lifetime income foundation.
Employer-matched savings that grow tax-deferred.
Flexible supplemental savings with no early-withdrawal penalty.
Tax-free reimbursements for healthcare costs in retirement.
Key Planning Opportunities
These four areas are where we see the biggest difference between an okay retirement and a great one.
1. Maximize Employer Benefits
Choose pre-tax or Roth contributions strategically, and make sure you're capturing every dollar of employer match available to you.
2. Plan Your Retirement Income
Coordinate Social Security, your pension, and account withdrawals so your income stays steady — not something you have to guess at year to year.
3. Reduce Tax Risk
Spread your savings across tax-deferred, tax-free, and taxable accounts so you have more flexibility — and pay less in taxes — once you retire.
4. Prepare for Healthcare
Use your HRA strategically so a medical expense doesn't force you to dip into savings you meant to last a lifetime.
Retirement Readiness Checklist
Not sure where you stand? Answer these five questions honestly and see how ready you really are.
Mostly Yes? You're in good shape — let's make sure it stays that way.
Some Yes? You're on the right track, but there are opportunities you're likely leaving on the table.
Mostly No? That's exactly why we're here. Let's build your plan together.
Our Commitment to You
This isn't a one-time meeting. It's a relationship that lasts as long as you need it to.
Personalized Strategies
Your plan, built around your goals — not a generic template.
Fiduciary Guidance
We're legally obligated to act in your best interest. Always.
Ongoing Support
We're with you through every stage of retirement, not just the paperwork.
Focused on What Matters Most
Your confidence, your health, and the future you've earned.
Let's Build Your Plan
You've put in the years. Let's make sure your retirement reflects it. Give us a call or send an email and we'll walk through your OUC benefits together.
Call Us
321-972-8768
Email Us
[email protected]
Our Promise
No pressure. Just a conversation about your future, to see if we can help.
Let's start the conversation.
Schedule your complimentary OUC retirement readiness review.