Medicare IRMAA in 2026: Surcharges, Income Limits, and How to Appeal Originally posted May 2023 / updated September 2026 Planning for Medicare is an important part of retirement planning, but the cost of Medicare is not the same for everyone. Higher-income Medicare beneficiaries may pay an additional surcharge on their Medicare Part B and Part…
Oregon PERS IAP Member Choice: Should You Change Your Target-Date Fund? If you’re an Oregon PERS member, September brings a retirement-planning opportunity that’s easy to overlook: the annual IAP Member Choice window. From September 1 through September 30, eligible members can choose a different target-date fund for their Individual Account Program (IAP). For elections made…
Q2 2026 Market Review The following Q2 2026 Market Review was prepared by GeoWealth, Collective Wealth Planning’s back-office investment and trading team. It offers a closer look at market performance during the quarter and the themes shaping stocks, bonds, and international markets. Key Themes: Equities: Markets advanced in Q2 as earnings and AI-related spending remained supportive,…
Portfolio Rebalancing: How & Why Note from Brenna: One of the quieter but important parts of investment management is keeping a portfolio aligned with its intended purpose over time. Markets move, portfolios drift, and without a process, it is easy for investment decisions to become reactive. The article below, written by our investment partner GeoWealth,…
Q1 2026 – Market Review Each quarter, Collective Wealth Planning, with the help of our investment partner GeoWealth, provides transparency and seeks to clearly communicate what is driving performance for portfolios. The GeoWealth investment team has put together the following Q1 2026 market review. Q1 2026’s Key Themes: Markets declined in March as escalating geopolitical…
The 457(b) 3-Year Catch-Up Strategy: How Oregon Public Employees Can Potentially Defer Nearly $150,000 Before Retirement If you’re a public employee in Oregon getting close to retirement, there’s a little-known (and even less understood) strategy that can dramatically increase retirement savings and reduce taxes in your final working years. It’s called the 3-Year Special Catch-Up…
Oregon PERS by the Numbers 2025: 7 Key Takeaways for Members and Retirees If you’re an Oregon Public Employees Retirement System (PERS) member or retiree, headlines about pensions can feel confusing — and sometimes alarming. Each year, PERS publishes a report called PERS by the Numbers, and the 2025 edition offers valuable insight into how…
Long-Term Care Planning in Retirement: How to Pay for Care (Insurance, Medicaid, or Self-Funding) In financial planning, I often get to walk alongside my clients as they dream about the good parts of life — travel, generous gifting, buying a long-anticipated home, or feeling confident enough to finally retire. But there’s another part of planning…
Q4 2025 – Market Review Each quarter, Collective Wealth Planning, with the help of our investment partner GeoWealth, provides transparency and seeks to clearly communicate what is driving performance for portfolios. The GeoWealth investment team has put together the following Q4 2025 market review. Q4 2025 Market Review – Key Themes Global markets closed 2025…
Oregon PERS Waiting Time Purchase: Is It Worth It? If you’re an Oregon PERS Tier One or Tier Two member getting serious about retirement, you may have noticed a line on your formal benefit estimate for “waiting time purchase.” It’s one of the most common Oregon PERS service purchases, and it can be a meaningful…