Beyond Financial Planning

Passionate about guiding and educating clients to optimize their benefits and strengthen confidence in their financial future.

Successful financial planning takes tailored experience, analysis, and strategies that support your individual needs. Discover our unique perspective that takes into account your goals, circumstances, and big-picture vision. Creating the blueprint for a solid financial outlook takes wisdom, guidance, and cultivation so your money can thrive.   

Your Questions Answered

You work hard for financial security. However, you need an expert to help you navigate the system and tailor a financial roadmap for your future.

What's the difference between PERS, IAP, OPSRP, and OSGP?

The Oregon Public Employee Retirement System (PERS) is an alphabet soup, and navigating each acronym’s role can be daunting. In short, PERS is the overarching name of the program. Your IAP and OSGP are accounts wholly owned by you and invested with the state. OPSRP and Tier 1/2 are pension programs that provide monthly income in retirement. Throughout our planning work together, we can decipher the details and tax implications of each and determine which pool is best for each season of retirement.

How do I decide which pension option is best for me?

Like most things in financial planning, ‘best’ is relative and highly dependent on your specifics. The Collective Wealth Planning Process will take a holistic view of your financial life and clarify your options with breakevens and long-term projections, empowering you to make the best decision for your unique situation.

Do I have to move my accounts when I retire?

No, you can keep your accounts with the state in retirement; however, you will likely choose to consolidate them into one for simplification purposes. An important part of retirement planning is finding ways to streamline your financial life so that you can focus on the parts of life that bring you joy. Simplifying, delegating, and prioritizing are cornerstones of our work together.

Does the PERS Health Insurance Program (PHIP) work with Medicare?

The extent to which PHIP can complement your Medicare coverage depends on where you live. The service area of providers under PHIP varies widely. Where you live, your preferred provider, and your Medicare plan will all play a role in the best fit for you. An average retired couple in their mid-60s will need roughly $315,000 saved (after tax) to cover health care expenses in retirement. Planning for this expense is vital to the success of your long-term plan. 

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Take Control Of Your Finances

Optimize your future, invest wisely, and establish authority over your retirement. Our transparent and effective personalized planning process will give you peace of mind, knowing your finances are on the right track for success.