Oregon PERS Members Nearing Retirement | Free Financial Planning & Retirement Webinar скачать в хорошем качестве

Oregon PERS Members Nearing Retirement | Free Financial Planning & Retirement Webinar

Preparing to retire as an Oregon PERS member? This 60-minute webinar (recorded October 2025) is designed for members approaching retirement and ready to make confident, informed decisions about their next chapter. Led by Brenna Baucum, CFP® and founder of Collective Wealth Planning, this session walks through the key choices you'll face in the final years of your career—and how to turn your benefits into a sustainable, purpose-driven retirement plan. 📌 What you’ll learn: ✔️ How to understand your PERS pension payout options and key decision points ✔️ What to know about the IAP and whether to annuitize or roll it over ✔️ Common service purchases (like buying back waiting time) and how they impact your benefit ✔️ The role of taxes, Social Security, health insurance, and investment accounts in building your retirement paycheck ✔️ How to create a flexible, personalized plan that brings all the pieces together ✔️ What to look for in a trusted advisor or thought partner Whether you’re within a few years of retirement—or just want to be sure you’re ready—this webinar offers practical insight, action steps, and peace of mind as you transition out of public service. 00:00 Intro & what to expect from this webinar 03:43 Understanding your PERS benefits: pension, IAP & deferred comp 04:50 Oregon PERS pension options explained (Single Life, Refund Annuity, 15-Year Certain, Joint & Survivor) 10:28 Lump sum options: when they make sense and why to be cautious 13:20 Formal benefit estimates, data verification 14:38 Service purchases explained (Waiting Time, Military, Forfeited Time) 16:03 The variable account: how it affects your pension & whether to opt out 16:50 Understanding the IAP: investment strategy & withdrawal choices 18:54 Deferred Comp / 403b & 457b (OSGP): Roth vs pre-tax, investment options, differences between them 21:04 When you're eligible to retire: Normal vs early retirement 22:30 Retirement timing factors: Income gap before Social Security: bridge planning with pension & investments 27:00 Retirement income sources 28:51 Returning to work after retirement: SB1049 & hour limits 30:52 Healthcare planning before Medicare: PHIP, PEBB, exchange options 31:58 Other key retirement expenses: Medicare, long-term care, the costs of aging in place, and "free time" is rarely free 34:43 Big picture planning: pension, SS, Roth, taxable, HSA & tax-smart withdrawals 37:44 Living plan mindset: a flexible, resilient financial plan is important 38:35 Action item 1: request a formal benefit estimate 39:54 Action item 2: review your annual PERS statement 40:32 Action item 3: review your pension and service purchase options 41:08 Action item 4: get a handle on your other resources 41:43 Action item 5: complete the PERS retirement application 42:44 Planning your next chapter; what a financial plan can mean 44:10 Countdown to retirement 45:42 Questions from attendees: eligibility timing, IAP rollovers, vacation payouts 49:53 Final thoughts & encouragement for your retirement transition #OregonPERS #RetirementPlanning #NearRetirementFinance #CollectiveWealthPlanning #FinancialWellness #PERSWebinar #BrennaBaucum #CFP