EverPar Advisors

EverPar Advisors Our clients are typically established professionals, executives, and business owners. Securities and Exchange Commission (“SEC”).

At EverPar, we coordinate your investments, tax strategy, retirement planning, and estate planning into one cohesive financial plan that evolves with your life. EverPar Advisors LLC (“Everpar”) is a Registered Investment Advisor (“RIA”) with the U.S. Everpar provides investment advisory and related services for clients nationally. Everpar will maintain all applicable registration and licenses as r

equired by the various states in which Everpar conducts business, as applicable. Everpar renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

06/24/2026

When you file your taxes as a retired public safety officer, the letters PSO need to appear next to line 5B on your 1040. That's how you claim the $3,000 healthcare exclusion. Miss it, and you leave money on the table.

Tax software will usually walk you through it, but a fair number of CPAs will skip right past it if you don't bring it up yourself. Don't assume it's being handled.

Check out the full video on our YouTube channel or insights page for the complete breakdown from Courtney Hoffman, CFP® on how to file it correctly and what counts as a qualified premium.

06/22/2026

Most officers don't realize that a large DROP withdrawal today can quietly raise your Medicare premiums two years from now. That's IRMAA, and it catches a lot of people completely off guard.

The good news? It's not unavoidable. It's plannable. When you coordinate your retirement timeline, your DROP distribution, and your healthcare strategy together, you at least see it coming and can prepare for it.

The window is wide open before retirement. It gets narrow fast after.

Watch the full video on our insights page to see how Ken and Courtney break it all down.

This week, we're highlighting Hunter Breedlove, Investment Analyst at EverPar!Hunter earned his Finance degree from Okla...
06/19/2026

This week, we're highlighting Hunter Breedlove, Investment Analyst at EverPar!

Hunter earned his Finance degree from Oklahoma State University. While at OSU, he was actively involved in the Financial Management Association and Student Managed Investment Fund, and was recognized as one of the Department of Finance's Top 5 Seniors.

As part of our investment team, Hunter brings a thoughtful, research-driven approach to his work and is passionate about helping support positive outcomes for our clients.

Outside the office, Hunter enjoys discovering new restaurants with his wife, Madelyn, hitting the golf course, hiking, and never passing up a great cup of coffee. He is based in Tulsa, Oklahoma.

We're grateful to have Hunter as part of the EverPar team!

06/18/2026

The FOP is actively lobbying Congress to raise the $3,000 PSO healthcare exclusion to $6,000. No guarantees, but if it happens it would be a major win for retired public safety officers everywhere.

In the meantime, the $3,000 exclusion is already on the table and most officers aren't using it. And with SECURE Act 2.0, claiming it is easier than it's ever been.

Watch the full video on our YouTube channel or our insights page to learn how it works and how to make sure you're not leaving money on the table.

06/10/2026

Medicare premiums are not fixed in retirement. They adjust based on your income, and the income they look at is from two years prior.

This matters when people make large income moves in their early 60s without realizing the downstream effect.

A Roth conversion, a big IRA withdrawal, or even a pension-to-annuity transfer can trigger what is known as IRMAA, an Income Related Monthly Adjustment Amount that increases what you pay for Medicare starting at 65.

Ken Petrashek, CFP® and Courtney Hoffman, CFP®, AAMS™ cover this in detail in their latest video, including a real client example that illustrates just how significant the impact can be.

Watch the full video on our YouTube channel or visit the EverPar Insights page at everpar.com.

06/08/2026

You know you can claim Social Security starting at 62. But what happens if you’re still working when you claim it?

There’s a rule called the Retirement Earnings Test, and it applies to anyone who claims benefits before their full retirement age of 67 while continuing to earn income.

In 2026, earning above $24,480 means one dollar of your benefit gets withheld for every two dollars over that limit.¹ The math adds up pretty fast, quicker than people expect.

Ken Petrashek, CFP® and Courtney Hoffman, CFP®, AAMS™ walk through a real example in the clip above that shows exactly how much can be withheld and for how long.

Head to our YouTube channel for the full conversation or explore more retirement planning resources on the EverPar Insights page at everpar.com.

¹https://www.ssa.gov/benefits/retirement/planner/whileworking.html

06/03/2026

Claiming Social Security at 62 to "lock in" your benefit before the system runs into trouble sounds logical. In practice, it tends to work against you.

Taking benefits early comes with a permanent reduction of up to 30% that follows you for the rest of your life. And if Social Security ever did face serious funding issues, that reduction would not protect you anyway.
Before making a decision you cannot undo, it is worth understanding what you are actually locking in.

Ken Petrashek, CFP® and Courtney Hoffman, CFP®, AAMS™ break down this and five other common Social Security myths in their latest video.

Watch the full video on our YouTube channel or visit the EverPar Insights page at everpar.com to learn more about how Social Security timing affects your long-term retirement income.

Kerri brings over 20 years of experience in the financial industry to her work here.Over that time, she's built a deep w...
05/29/2026

Kerri brings over 20 years of experience in the financial industry to her work here.

Over that time, she's built a deep working knowledge of investment products, trading, and compliance, and she puts all of it to use every day. When something needs to get done or a problem needs solving, Kerri is the person our advisors lean on.

She works closely with our advisory team to serve clients directly, and she's known for listening carefully, getting to the root of an issue, and finding the right path forward. If you have a question or concern, she's someone you can bring it to with confidence.

A native Tulsan, Kerri loves traveling to anywhere with a beach and spending quality time with friends and family. She's also a passionate Sooners fan and will find any excuse to cheer them on.

We're grateful to have Kerri as part of the EverPar team!

05/21/2026

How is private credit income taxed?

Private credit income does not come with preferential tax treatment.

Distributions are taxed as ordinary income and reported on a 1099, making it one of the less tax-efficient asset classes from a holding perspective.

Most private credit funds distribute income monthly, with some paying quarterly. For clients who are investing for stability and total return rather than immediate income needs, EverPar will typically place those assets inside an IRA.

That approach shields distributions from ordinary income tax each year, which can potentially make a meaningful difference in after-tax returns over time.

Where private credit sits in a portfolio is a client-by-client decision based on the full tax picture.

In the full video, EverPar's Director of Investments, David Ellis, covers the complete breakdown of how private credit works, who it's designed for, and how EverPar thinks about portfolio placement.

Visit our EverPar insights page for the full video (or our YouTube channel!)

05/19/2026

Private credit offers a yield advantage over public credit, but that advantage comes with a tradeoff: liquidity.

With public credit, investors can typically access their money within a couple of days. With private credit, redemptions are available quarterly and generally capped at about 5% of the fund's value per quarter. If more investors request withdrawals than that in a given quarter, the excess carries over to the next.

The reason investors accept that tradeoff: historically, private credit has generated returns roughly 2% to 3% higher than public markets, largely as compensation for reduced liquidity.¹

In our latest video, EverPar's Director of Investments, David Ellis and Senior Advisor, Michael Christian CFA®, CAIA® walk through how private credit works, who it's designed for, and what to expect as an investor.

Visit our EverPar insights page or check out our YouTube channel for the full video.

¹https://www.federalreserve.gov/econres/notes/feds-notes/private-credit-characteristics-and-risks-20240223.html

Address

2431 E. 61st Street, Suite 825
Tulsa, OK
74136

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

(918)2219290

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