Ongoing Wealth Management for Oregon Public Employees Retirement System Members & Retirees

Brenna speaking with two elderly people


Full-Service Planning

“I wish I could just call one person who knows my whole picture.”

If you’ve ever had this thought, our Ongoing Wealth Management services might be a fit. This is for those who want all the financial planning services we provide, along with investment management. This service is particularly beneficial for those entering or in retirement. Typical areas of ongoing need include:

  • Playing the quarterback role with the rest of your professional team (accountants, attorneys, etc.)
  • Ensuring continuity and care if something should happen to the household CFO
  • Annual portfolio withdrawal strategies (income, RMD, and gifting strategies)
  • Roth conversions
  • Establishing when to claim Social Security
  • Selecting between pension options
  • Transferring and/or consolidating investment accounts
  • Reallocating investment portfolios
  • Reviewing insurance options
  • Buying or selling real estate
  • Updating estate documents and beneficiary forms
  • Philanthropic planning and gifting
Brenna speaking with two elderly people


Full-Service Planning

“I wish I could just call one person who knows my whole picture.”

If you’ve ever had this thought, our Ongoing Wealth Management services might be a fit. This is for those who want all the financial planning services we provide, along with investment management. This service is particularly beneficial for those entering or in retirement. Typical areas of ongoing need include:

  • Playing the quarterback role with the rest of your professional team (accountants, attorneys, etc.)
  • Ensuring continuity and care if something should happen to the household CFO
  • Annual portfolio withdrawal strategies (income, RMD, and gifting strategies)
  • Roth conversions
  • Establishing when to claim Social Security
  • Selecting between pension options
  • Transferring and/or consolidating investment accounts
  • Reallocating investment portfolios
  • Reviewing insurance options
  • Buying or selling real estate
  • Updating estate documents and beneficiary forms
  • Philanthropic planning and gifting

What is Our Investment Strategy?

Low-cost, passive management, globally diversified mutual funds

Investment options include core, tax-efficient, and ESG/Socially Responsible portfolios. The goal is to keep fees down and returns (both financial and non-financial) up. We partner with GeoWealth for portfolio design and back-office support and use Schwab as our financial custodian.

Knowing your tolerance for risk is one of the pillars of establishing an appropriate investment strategy.
The short quiz below can help spark your thinking about financial risk and reward.

Wealth Management for Every Season

You receive year-round guidance to ensure that your financial, investment, tax, and estate planning strategies are always up to date and proactively looking to the next season.

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Spring

Tax return analysis & review
Investment account review & rebalancing
Spring review meetings
(investment and tax focused)

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Summer

Preliminary Roth conversation analysis
Insurance review
Estate plan document review and flow chart

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Fall

End-of-year tax planning opportunities
Roth distribution analysis
Fall review meetings
(long-term planning and tax focus)

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Winter

Income, expenses, cash levels
RMD/QCD distribution planning
Tax summary letter

Wealth Management for Every Season

You receive year-round guidance to ensure that your financial, investment, tax, and estate planning strategies are always up to date and proactively looking to the next season.

null

Spring

Tax return analysis & review
Investment account review & rebalancing
Spring review meetings
(investment and tax focused)

null

Summer

Preliminary Roth conversation analysis
Insurance review
Estate plan document review and flow chart

null

Fall

End-of-year tax planning opportunities
Roth distribution analysis
Fall review meetings
(long-term planning and tax focus)

null

Winter

Income, expenses, cash levels
RMD/QCD distribution planning
Tax summary letter

Understanding Our Fee Structure

Transparency and honesty are key pillars of the firm, starting with being upfront about costs. We are a fee-only practice, meaning fees come directly from a mutually agreed-upon arrangement, not commissions.

Ongoing Wealth Management
The size of your portfolio is not necessarily tied to the complexity of your financial life or the resources it takes to garner knowledgeable advice. Most advisors whose fees are based on assets under management charge between 0.8% – 2% annually. On a $1,500,000 account, that would cost $12,000 to $30,000 per year. The larger the account, the higher the fee, even if it isn’t any more work. That’s unfair and illogical, which is why we cap our Wealth Management fees.

Brenna speaking with two people about finances
Brenna speaking with two people about finances

Understanding Our Fee Structure

Transparency and honesty are key pillars of the firm, starting with being upfront about costs. We are a fee-only practice, meaning fees come directly from a mutually agreed-upon arrangement, not commissions.

Ongoing Wealth Management
The size of your portfolio is not necessarily tied to the complexity of your financial life or the resources it takes to garner knowledgeable advice. Most advisors whose fees are based on assets under management charge between 0.8% – 2% annually. On a $1,500,000 account, that would cost $12,000 to $30,000 per year. The larger the account, the higher the fee, even if it isn’t any more work. That’s unfair and illogical, which is why we cap our Wealth Management fees.

Wealth Management Fee Structure

Based on a percentage of assets under management up to a $20,000 cap

Account Asset Value Range

Asset Based Fee

$0.00

$500,000.00

1.50%

$500,000.01

$1,000,000.00

1.00%

$1,000,000.01

and greater

0.80% to $20,000 max annual fee

This fee is based on a blended tier.
You will not pay more than our fee cap for Wealth Management Services, regardless of the size of your portfolio.
Fees are divided by four and deducted from investment accounts quarterly, and the minimum account size for Wealth Management services is $250,000.

Wealth Management Fee Structure

Based on a percentage of assets under management up to a $20,000 cap

Account Asset Value Range

Asset Based Fee

$0.00

$500,000.00

1.50%

$500,000.01

$1,000,000.00

1.00%

$1,000,000.01

and greater

0.80% to $20,000 max annual fee

This fee is based on a blended tier.
You will not pay more than our fee cap for Wealth Management Services, regardless of the size of your portfolio.
Fees are divided by four and deducted from investment accounts quarterly, and the minimum account size for Wealth Management services is $250,000.

Why Choose Collective Wealth Planning

We are dedicated to helping you plan a sustainable future and align your values with how you spend, save, and invest.
We are committed to your vision, collaboratively diversifying your hard-earned money to make an impact.
Together, we’ll build your financial confidence for a fruitful future.