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…
2025 Tax Law Changes for Retirees: Top 10 Provisions from the One Big Beautiful Bill Act Last week, Congress passed the “One Big Beautiful Bill Act” (OBBBA) — a sweeping 800+ page piece of tax legislation. While most people haven’t made it past the table of contents (and who could blame them), it includes some…
How Does Dollar Cost Averaging Work? I partner with GeoWealth for investment management and support, and they recently shared a piece that breaks down the dollar cost averaging concept in a clear, approachable way. Whether you’re sitting on a lump sum and unsure when to invest, or just feeling hesitant in today’s market, this strategy…
Is My Oregon PERS Pension Secure? You’re working hard, building your career in public service, and counting on your Oregon PERS pension to provide financial security in retirement. With so much uncertainty—economic shifts, policy changes, and media reports about pension shortfalls—it’s natural to wonder whether your retirement benefits are truly secure. Having worked with Oregon…
Where’s My Refund? Tax Planning for Retirees and Oregon PERS Members The question “Where’s my refund?” is on many of our minds as taxpayers search for answers and monitor their refund status. For retirees and members of the Oregon Public Employees Retirement System (PERS), the tax landscape includes unique factors that can significantly influence…
Trump Tax Law Changes – 2025 and Beyond Acknowledging the Changing Landscape With Donald Trump re-elected as President and Republicans controlling both the House and Senate, the stage is set for potential tax reform reminiscent of his previous administration. During Trump’s last term, the Tax Cuts and Jobs Act (TCJA) brought about some of the…
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…
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…
What is Diversification? Almost everyone has heard that diversification is important in building portfolios. However, many people don’t understand what it is, why it’s important, or how to maximize its benefits. Diversification means spreading the assets in a portfolio among different investments. The goal is to smooth out the returns of the portfolio. For most…