Dave Bensch · Certified Financial Planner

Retirement Planning Built for
Your Path

Whether you're five years out or ten, the decisions you make in the years surrounding retirement will shape everything that follows. We work with pre-retirees and analytical professionals who want a coordinated plan — not a collection of good individual decisions.

Choose Your Path Schedule a Call
Hear From Dave

In His Own Words — Watch Before You Book

Two short videos explaining why most retirement strategies leave money — and peace of mind — on the table.

The CPA's Retirement Blueprint
The Responsible Retiree Blueprint
Dave Bensch CFP

Dave Bensch · CFP® · IRS Enrolled Agent · Fourth Dimension Financial Group

CFP® IRS Enrolled Agent Fee-Based RIA Perrysburg, Ohio
About Dave Bensch

What Makes the Difference Isn't the Plan.
It's the Coordination.

"Most people arrive at retirement with a collection of good individual decisions. What they rarely have is a system that makes those decisions work together — across income, taxes, timing, and time."

Dave Bensch is a CFP® and IRS Enrolled Agent — a combination that is uncommon in financial planning and consequential in retirement. The CFP® means he sees the full picture. The IRS Enrolled Agent credential means he reads your tax picture with the same depth the federal government demands of its own examiners. Together, they make the coordination conversation different from the start.

His approach begins before any recommendation is made. Every income source, every tax implication, every timing decision is mapped first. The goal isn't to sell a solution. It's to show you exactly where your retirement stands — and what it would take to make it hold across the decades ahead.

CFP®
Certified Financial Planner™ — the gold standard in comprehensive planning
EA
IRS Enrolled Agent — reads your tax picture with federal-examiner depth
100s
Families helped to retire with more confidence and more income
Ohio
Registered Investment Adviser · Perrysburg, OH · Fee-based, no commissions
Fee-based. No commissions. No product sales. Ever. Dave is compensated only by clients — never by financial products. That means every recommendation is made in your interest, not anyone else's.
Learn More About Dave →
Before You Book

Common Questions

The things people want to know before they pick up the phone.
Is the first conversation really free? What's the catch?
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There is no catch. The first conversation is a complimentary Retirement Coordination Review — typically 45–90 minutes. Dave's goal is to show you exactly where your plan stands, not to close a sale. If it's not a fit, he'll tell you that directly. No follow-up pitch calls, no obligation of any kind.
Is this just going to be a product presentation?
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No. Dave is a fee-based advisor — he does not sell financial products and earns no commissions. The first conversation is built around your situation, not around presenting solutions in advance of understanding your picture. Most people say it's the most substantive financial conversation they've had in years.
How is Dave compensated?
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Fee-based only. Dave is compensated directly by clients — never by financial products, insurance commissions, or referral arrangements. This means every recommendation he makes is in your interest, not shaped by what pays him. Fourth Dimension Financial Group is an Ohio Registered Investment Adviser.
Do I need to bring documents to the first meeting?
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Not required. A general sense of your account balances, expected retirement date, and income sources (pension, Social Security estimate, etc.) is enough to make the first conversation meaningful. If you want to bring more detail, that's welcome — but don't let it be a reason to delay.
What happens after the first conversation?
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Dave will walk you through his findings — specific coordination gaps, what they're costing you in concrete terms, and what addressing them would look like. If there's a fit and you want to move forward, he'll explain exactly how the engagement works. If it's not the right fit, he'll say so honestly and you'll leave with useful clarity either way.
I already have a financial advisor. Why would I need this?
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Most financial advisors are strong investment managers. Very few specialize in retirement coordination — the integrated management of income sequencing, multi-decade tax planning, Social Security timing, Medicare exposure, and survivor protection as a single coordinated system. If your current advisor has done all of that explicitly for your situation, this conversation will confirm it. If they haven't, it will show you what's missing.
Fee-based · No commissions · No product sales · Ever. Dave is compensated only by clients — never by financial products or referral arrangements. Fourth Dimension Financial Group is an Ohio Registered Investment Adviser. Every recommendation is made in your interest, not anyone else's.
Get Started

Ready to See Where Your Retirement Actually Stands?

Complimentary  ·  No Obligation  ·  No Pressure

Dave works with two kinds of people — pre-retirees who want a coordinated income plan, and CPAs or analytical professionals who want precision about whether their plan is leaving money on the table.

In both cases, the first conversation is the same: a clear, honest look at where your retirement actually stands.

No products. No pitch. Just a plan built around your life.

Dave Bensch CFP
Dave Bensch
CFP® · IRS Enrolled Agent · Fourth Dimension Financial Group
Office
27121 Oakmead Drive Suite B
Perrysburg, OH 43551
Dave Bensch
CFP®  ·  IRS Enrolled AgentFourth Dimension Financial Group
What You Can Expect
A focused conversation — not a product presentation
Fee-based · No commissions · No product sales · Ever
CFP® and IRS Enrolled Agent — credentials that matter
No obligation — no follow-up pitch calls
Completely complimentary
Dave Bensch CFP
Dave Bensch
CFP®  ·  IRS Enrolled Agent
"The right plan isn't complicated. It's just built around your life — not someone else's template."
Book Directly — No Back-and-Forth
Schedule Your Introductory Call
Pick a time that works for you — Dave will be ready.

Whether you're a pre-retiree or a CPA, the planning windows that create the most value — Roth conversions, Social Security optimization, withdrawal sequencing — don't stay open forever.

or scroll down to see the calendar below
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Choose a Time That Works for You
Pick a time below — Dave will be ready.

Fourth Dimension Financial Group, LLC ("Fourth Dimension") is an Ohio Registered Investment Adviser. This page is intended for informational and educational purposes only and does not constitute personalized investment, tax, or legal advice. Fourth Dimension does not provide tax or legal advice. Please consult your tax advisor and/or attorney before making decisions with tax or legal implications. Fourth Dimension and its representatives are in compliance with the current registration requirements imposed upon investment advisers by the state of Ohio.

Schedule Your Introductory Call — Dave Bensch, CFP®