FAQ

Our hourly PERS-focused consultations are $400 for the hour.

Our Ongoing Wealth Management services are based on a percentage of the assets managed, with a $500,000 investment minimum. You can learn more about each service under the “How We Do It” tab.

This meeting is a chance for us to get to know one another. We’ll ask questions about what prompted you to reach out, what you’re hoping for in an advisory relationship, and whether our ongoing planning and investment management service may be the right fit.

There is no pressure to make a decision during the meeting. The goal is to determine whether there is a mutual fit and, if so, what the next step would look like.

This is a one-hour, one-on-one consultation focused on Oregon PERS benefits and related retirement decisions. We can review your PERS estimate, retirement timing, benefit options, service credit questions, IAP/OSGP considerations, and key decision points.

This consultation does not include comprehensive financial planning, ongoing investment management, or tax advice. The fee is $400, and you can book through the Get Started form by choosing One-Hour Oregon PERS Consultation.

Meetings are held in our downtown Salem office, virtually, or in the homes of client families throughout the Willamette Valley when appropriate.

Our client engagement standards describe what you can expect from us and what helps make the relationship productive. In general, clients can expect thoughtful planning, proactive communication, investment management, and ongoing support as life changes.

The relationship works best when clients are open, responsive, and willing to engage in both the numbers and the life decisions behind them.

Most of our client families are Oregon public employees within about 5–10 years of retirement, often navigating PERS, IAP, OSGP, Social Security, and retirement income decisions.

We also work with retirees who want ongoing planning and investment management as they make decisions about income, taxes, legacy, giving, and how to use their resources in ways that support the life they want to live.

We are probably not the right fit if you are primarily looking for stock tips, short-term market predictions, or performance-only conversations.

We are also not the right fit if you want a one-time comprehensive financial plan without ongoing investment management, or hourly planning outside of Oregon PERS. If that is what you need, you might explore Nectarine, XY Planning Network, or the Garrett Planning Network.

Your accountant is typically focused on tax preparation and tax advice: filing returns, ensuring compliance, and giving guidance on specific tax rules.

Our role is tax planning. We help look ahead at how financial decisions may affect your tax picture over time, such as retirement income, Roth conversions, charitable giving, investment withdrawals, and Social Security timing. When needed, we coordinate with your tax professional so the planning and tax preparation pieces work together.

We have a continuity plan in place so client families are not left without support if something happens to Brenna. Our continuity partner is an Oregon-based advisor with similar credentials, experience, and investment philosophy.

If Brenna were to die or become incapacitated, our continuity partner would contact clients and help guide the next steps. The priority is to provide care, clarity, and time to make thoughtful decisions about your options.

We take the protection of client information seriously. Our systems use encryption, multi-factor authentication, secure document sharing, regular cloud backups, and cybersecurity support through Team Logic IT.

For remote work, we use secure connections and avoid public networks. Physical documents are securely stored, scanned when appropriate, and shredded when no longer needed. We also maintain a data breach response plan so we can respond quickly if an issue ever arises.

fee-only financial advisor is compensated directly by clients, not by commissions from financial products. At Collective Wealth Planning, our advice is paid for through our client relationships, rather than through product sales or referral arrangements.

This helps reduce conflicts of interest and keeps the focus on advice designed to serve your best interest.

You may be ready to work with an advisor if your financial life has become complex enough that you want a thought partner helping you see the full picture, identify next steps, and follow through over time.

Many of our clients are capable of making good financial decisions on their own. They choose to work with us because they want clarity, accountability, and the confidence that someone is helping coordinate the moving pieces.

Are you a current or aspiring financial advisor looking to grow in your career and elevate the profession?