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…
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…
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…
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…
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…
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…
The Oregon PERS Retirement Application for OPSRP Members Navigating the Oregon Public Employees Retirement System (PERS) can be complex. it’s common for clients to reach out once they receive the thick manila envelope and ask for help. In this guide, we’ll break down the Oregon PERS Retirement Application for OPSRP Members step by step to…
Oregon PERS Benefit Estimate – How to Read Yours Your Oregon PERS Benefit Estimate – An Important but Confusing Document I recently attended a continuing education event where a representative from Oregon PERS spoke and walked us through a sample Oregon PERS Benefit Estimate. The room was filled with about 75 advisors. As we neared…
I enjoyed catching up with fellow advisor Josh St. Laurent on his podcast, Wealth in Yourself. Together, we discussed the opportunities and challenges for those approaching and entering retirement, what it means to align your money with what you care about, and more. You can listen in or read the transcript below: Josh: Welcome to…