Q1 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 Q1 2025 market review. Q1 2025 Market Review – Key Themes U.S. equity markets declined…
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…
Q4 2024 – 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 commentary for Q4, 2024. Q4 2024 Market Review – Key Themes U.S. equity markets posted…
How PERS Works in Oregon: A Comprehensive Guide for New Members Congratulations on your new role with an Oregon PERS employer! As a financial advisor with over a decade of experience serving Oregon PERS members, I’ve had the privilege of helping countless individuals navigate the complexities of this retirement system. If you’re confused, you’re not…
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…
Q3 2024 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 commentary for Q3, 2024. In short: Equity markets finished the quarter strong as the S&P 500…
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…