CERTIFIED FINANCIAL PLANNER™ professional and a Certified Tax Specialist™
Q3 2024 Market Review As we do each quarter, the following is meant to be a brief Q3 2024 market review, keeping you up to speed on what’s happening in the financial markets and your portfolio. Equity markets finished the quarter strong as the S&P 500 returned 5.9% and set its 43rd all time high…
Thank you for coming! As I said during my opening remarks, thank you for sharing one of your most precious resources – your time. I hope the exercise of composing your unique philanthropic philosophy was enlightening, and helpful in your giving journey. Below I’ve linked to various links to continue your learning. Please don’t hesitate…
The Oregon PERS Tax Remedy: A Key Benefit for Tier 1 Members Working with many Oregon PERS retirees, I often get questions about the Oregon PERS tax remedy—especially from Tier 1 members. This post will break down the tax remedy, explain qualifications, and answer common questions about it. If you learn best by video, you…
The Duality of Creating Financial Freedom For many of us, managing money and building financial security is a nagging concern. We know we should be making progress, but nothing changes. What keeps us from experiencing the financial life we desire? What keeps us from using money as a tool for achieving our goals rather than…
What is the Oregon PERS IAP (Individual Account Program)? If you’re a member of the Oregon Public Employees Retirement System (PERS), you’ve likely encountered the term “Individual Account Program” or IAP. But what role does it play in your retirement plan, particularly with respect to the other parts of your Oregon PERS benefits like your…
This month, I started taking an online course to deepen my expertise in a field near and dear to my heart: serving as a thought partner for my clients as they age. The course will leave me with an “Elder Care Specialist” designation and, ideally, equip me with better ways to serve my client families,…
Earlier this month, we saw our first bout of market volatility in a while, which sparked talk online with a couple of my clients about market timing. It reminded me of how difficult this is and why no one can do it well for any extended period. Check out the article below from our investment…
Understanding Oregon PERS Lump Sum Options Oregon PERS is full of intricacies and detail. Today, I’m exploring the lump sum options available on your Oregon PERS Benefit Estimate. I’ve covered Oregon PERS Options 1 – 3A in several other blogs and videos (e.g., “Deciding Which Oregon PERS Pension Benefit is Right for You“). Since these…
Q2 2024 Market Review – Market Overview Markets In Q2, U.S. equity markets continued the grind higher, driven by extreme concentration in several large cap growth names. International developed markets lagged, and emerging markets staged a small comeback. Inflation Inflation continued to trend downwards yet remains higher than the Fed’s 2% target. Rates Rate…
Deciding Which Oregon PERS Pension Benefit is Right for You Understanding Your Oregon PERS Pension Benefit As an Oregon public employee nearing retirement, understanding your Oregon PERS pension benefit options is crucial for effective retirement planning. In this blog, I will help you navigate the various pension options, ensuring you make informed decisions about your…