Where’s My Refund? Tax Planning for Retirees and Oregon PERS Members

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…

The Benefits of Diversification & How to Achieve Them

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…

Retirement Income Realities & Solutions

Traditional retirement income planning aims to build a “nest egg” of personal savings and investments that will supplement Social Security and pension benefits. Together, these three sources of retirement income have long been referred to as the proverbial “three-legged stool”—a solid and well-balanced foundation for building financial security in old age. However, Social Security benefits…

couple reviewing tax return

What Happens to Your Tax Liability With Proper Financial Planning?

What Happens to Your Tax Liability With Proper Financial Planning? When we think about managing our finances, it’s impossible to ignore the impact of taxes. Taxes are integral to our financial lives, affecting everything from our income and investments to estate planning and retirement. The decisions we make in our financial planning have direct consequences…