For Oregon public employees
Retire confidently with Oregon PERS
Tier One, Tier Two, and OPSRP each work differently. We help you choose the right pension option and coordinate it with Social Security, savings, and taxes—so nothing is left on the table.
PERS decisions are permanent. We help make sure yours is the right one.
Which Payout Option?
Full survivorship, refund annuity, or lump-sum—we model each against your needs.
When to claim Social Security?
Coordinate your pension start date with Social Security to maximize lifetime income.
What about taxes & IAP?
Strategies for your Individual Account Program and a tax-smart withdrawal order.
How We Help
A PERS-specific retirement roadmap
We translate your benefit estimate into a real income plan—built around your tier, years of service, and goals.
- Pension option analysis — side-by-side comparison of your PERS payout choices.
- IAP & rollover guidance — what to do with your Individual Account Program.
- Tax-efficient withdrawals — sequencing pension, savings, and Social Security.
- Health care & the gap years — bridging coverage before Medicare.
Free download
The Oregon PERS Retirement Guide
A walkthrough of Tier One, Tier Two, OPSRP, payout options, and the decisions that matter most.
Oregon PERS questions, answered
What’s the difference between Tier One, Tier Two, and OPSRP?
Your tier depends on when you were hired and determines how your benefit is calculated. Tier One and Tier Two members were hired before August 2003; OPSRP covers most members hired after. Each has different rules for retirement age and benefit formulas—we’ll review which applies to you.
Which PERS payout option should I choose?
It depends on your marital status, health, other income, and legacy goals. Options range from maximum monthly income to full survivor protection for a spouse. We model each side-by-side so you can decide with confidence.
What should I do with my IAP?
Your Individual Account Program can be taken as a lump sum or installments, and may be eligible for rollover. The right choice affects your taxes and flexibility—we help you weigh the trade-offs.