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…
Q3 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 Q2 2025 market review. Q3 2025 Market Review – Key Themes U.S. equity markets…
If you’re a public employee in Oregon planning your retirement, you’ve probably wondered: “Do my unused vacation hours count toward my pension?” The answer, like many things in the world of Oregon PERS, depends on which tier you’re in. Understanding how your Oregon PERS vacation payout is treated can help you avoid surprises and make…
2025 Tax Law Changes for Workers: 9 Key Highlights from the One Big Beautiful Bill The “One Big Beautiful Bill Act” (OBBBA) was signed into law on July 4, 2025—an 800+ page tax overhaul with wide-ranging implications. While the headlines have largely focused on retirees and high-income earners, the 2025 tax law changes for workers…
Q2 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 Q2 2025 market review. Q2 2025 Market Review – Key Themes Global equity markets delivered strong…