PERSAdvisor

10/14/2026

Most Oregon PERS Tier One and Tier Two members don't realize their pension is calculated two different ways, and PERS pays out whichever number is higher.

Money Match compares your account balance, matched by your employer, against your final average salary. Full Formula uses a set formula based on years of service and salary.

The method that wins can shift based on your retirement date, your account balance, and market performance. Retire at the wrong time and you could lock in the lower number.

Questions worth asking before you set a retirement date:

→ Which calculation method currently benefits you more
→ How market conditions could affect your Money Match balance
→ How timing your retirement date could change your outcome
This is exactly the kind of detail that gets missed without a PERS-specific advisor.

📅 Free consultation — no cost, no obligation.
📞 (541) 690-1069
🌐 epicjourneyfinancial.com
🌐PERSAdvisor.com
📧 [email protected]
📍 930 Town Centre Drive, Medford, OR 97504

10/14/2026

Here's a primer on indexed annuities.

10/07/2026

See which countries export and import the most crude oil flowing through the Strait of Hormuz.

09/30/2026

For decades, Oregon PERS members permanently lost part of their spousal or survivor Social Security benefits because of the Windfall Elimination Provision and Government Pension Offset.

That changed with the Social Security Fairness Act, which repealed WEP and GPO for public employees.
If you're a PERS member who was ever told you'd receive a reduced Social Security benefit, this is worth a second look.

Here's what to check:

→ Whether you may be owed retroactive benefits
→ How your monthly benefit calculation has changed
→ How this affects your overall retirement income plan
→ Whether your existing plan needs to be updated

This is one of the biggest changes to affect Oregon public employees in years. Let's make sure your retirement plan reflects it.

📅 Free consultation, no cost, no obligation.
📞 (541) 690-1069
🌐 http://epicjourneyfinancial.com
🌐PERSAdvisor.com
📧 [email protected]
📍 930 Town Centre Drive, Medford, OR 97504

Oregon PERS financial advisors and insurance brokers help teachers & public employees with retirement planning, investments, tax and estate planning. Schedule a free consultation.

09/30/2026

A 401(k) plan is one of the best ways to save for retirement.

09/23/2026

Crypto scammers are professional con artists. Here are some red flags to watch out for.

09/16/2026

Although a tax refund is your money to begin with, it can feel like a windfall to spend, save, or invest.

09/16/2026

Most Oregon PERS members know about their pension.

Far fewer pay attention to their IAP and that's a costly mistake. Your Individual Account Program (IAP) is a separate account that holds 6% of your salary each year. The investment decisions you make with those funds can significantly affect your retirement income.

Here's what many PERS members overlook:
📌 IAP funds can be invested across multiple options — not just the default
📌 How you withdraw IAP funds matters (lump sum vs. installments)
📌 Your IAP interacts with your pension and Social Security in important ways
📌 Decisions about your IAP are often irreversible

This is exactly the kind of nuance that makes working with a PERS professional so valuable. Have questions about your IAP? We’re here to help!

📞 (541) 690-1069
🌐 epicjourneyfinancial.com
📧 [email protected]
📍 930 Town Centre Drive, Medford, OR 97504

Oregon PERS financial advisors and insurance brokers help teachers & public employees with retirement planning, investments, tax and estate planning. Schedule a free consultation.

09/09/2026

Understand how exchange-traded funds (ETFs) work and the differences among the variety of ETFs available.

09/02/2026

By contributing to an IRA, you make use of a powerful retirement savings tool. Be sure that you choose the one that's best for you, whether it's a traditional IRA or a Roth IRA.