Perfect Game Retirement: Recent Episodes
Ryan Ledden
The Perfect Game Retirement Podcast is brought to you by Black Oak Asset Management, serving the greater Atlanta area with offices in Alpharetta, Cartersville and Macon. Former professional baseball player and now financial coach, Ryan Ledden, is your host. This is the show that'll help you make the right decisions, so you can pitch a "perfect game" in retirement.
When it comes to financial planning, everybody has something that bothers them. Today, Ryan’s walking through some of the most common pain points we see and the real conversations that happen around them. Nobody walks into retirement without at least one of these on their mind. The good news is that most of them have real answers. And all of them are worth talking about. If any of these hits close to home, that's exactly where our conversation should start.
Here’s what we discuss in this episode:
💸 Running Out: Test whether retirement income can last
🧾 Tax Angst: Structure withdrawals for greater tax efficiency
🏥 Long-Term Care: Prepare for possible future care costs
💵 Leaving Paychecks: Replace workplace income with a plan
📉 Market Anxiety: Stress-test retirement against poor returns
✅ Start Talking: Address concerns before retirement begins
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
There's an entire television network dedicated to doing things yourself — home renovation, landscaping, interior design, all of it. And the DIY mentality is genuinely admirable. But when it comes to retirement planning, Ryan says that the stakes of a bad install are a little higher than a crooked backsplash. DIY has its place. But some projects are worth calling a professional, especially when the cost of getting it wrong follows you for the next thirty years.
Here’s what we discuss in this episode:
🛠️ DIY Planning: Know when to stay in your lane
⚖️ Cost vs. Value: Decide what professional help is worth
🚨 Common Triggers: Life changes often prompt action
🧩 Planning Mistakes: Small oversights can create major consequences
🤝 First Meeting: Start with conversation, not commitment
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
According to a recent Kiplinger article, there are five keys to a retirement plan that hold up over time. They all happen to start with the same letter, which either means it's a great framework or someone really wanted it to work out that way. In this episode, Ryan walks through the “5 D’s” of retirement planning and how each one plays a role in helping retirees build a plan that can hold up over time.
Here’s what we discuss in this episode:
🌐 Diversification: Spread income, investments, and taxes
⏳ Duration: Make your savings last longer
🛡️ Downside Protection: Limit damage during market declines
✈️ Discretionary Income: Plan confidently for life’s enjoyment
⚓ Portfolio Drag: Reduce fees, taxes, and inefficiencies
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today, we break it down: what Dave says, what the research says, and what Ryan thinks.
Here’s what we discuss in this episode:
📉 Stock Market Risk: Understanding the volatility of an all-stock portfolio
📏 The Traditional Rule: Why 4% became a common retirement benchmark
🚨 The 8% Concern: How withdrawals can magnify losses during a downturn
🧾 Taxes Matter: Choosing which accounts to withdraw from strategically
🧩 Your Personal Number: Building an income plan around your unique needs
Check out the article about this topic:
https://finance.yahoo.com/news/ramsey-8-retirement-rule-sounds-170209842.html
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Financial information has never been more available — TV, podcasts, YouTube, Reddit, and now AI that will answer any question in about three seconds. And yet some of the worst financial decisions we see come from people who did a ton of research first. Today, Ryan’s talking about why this happens and what good research actually looks like. Being informed is a good thing. Being confidently misinformed is a different thing entirely. Reach out and let’s have a frank conversation about your financial future.
Here’s what we discuss in this episode:
🔍 Advice Sources: Not all voices are equal
🤖 AI Tools: Helpful but not foolproof
🧠 Algorithm Bias: Seeing only one side
⚖️ Research Balance: Avoid analysis paralysis
🤝 Trusted Guidance: Advice tailored to you
🛑 Decision Delays: Research can become a problem
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Over the past year, one retirement video on YouTube pulled in 3.7 million views. The title: "Sell These 5 Things Before You Retire." We thought it was worth a conversation, not to tear it apart, but to react honestly. Does Ryan agree? Let's get into it: 3.7 million people watched this video for a reason. It touches something real. Retirement isn't just about what you've accumulated. Sometimes it's about what you're willing to let go of.
Here’s what we discuss in this episode:
👨👩👧 Adult Children: Helping versus enabling
🚤 Expensive Toys: Assets or burdens?
🚗 Second Vehicle: Necessity or extra expense
🪪 Work Identity: Preparing for life's next chapter
⚖️ Personal Choices: No one-size-fits-all answer
🎯 Decision Framework: How to ask better questions
Watch the video here: https://www.youtube.com/watch?v=IltvyKpy8Z4
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Risk is unavoidable. The only question is whether the risk you're taking actually makes sense for where you are in life. Today, Ryan looks at three stages of the financial journey, and at each one, we've got three types of people with three very different approaches. Whether you're decades away from retirement or already living it, this conversation will help you think differently about risk and opportunity.
Here’s what we discuss in this episode:
📈 Life Stages: Why risk changes over time
🚀 30s & 40s: Avoiding the danger of being too cautious
⚖️ 50s & 60s: Balancing growth and protection
🏖️ 60s & 70s: Managing risk in retirement
🎓 Financial Education: Why planning early matters
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Summer's here. And somewhere between the excitement of planning a big trip and the anxiety of what it costs, a lot of retirees end up doing something that surprises us… they feel guilty about it. They worked hard, saved, planned for decades, and then second-guessed a beach vacation. Today, Ryan talks about how travel fits into a real retirement plan and how to enjoy it without guilt. You didn't save for decades so you could sit home and protect every dollar. Give yourself permission to go. Just take your plan with you.
Here’s what we discuss in this episode:
✈️ Travel Planning: Building vacations into retirement
💰 Spend Confidently: Eliminating travel guilt
💬 Couples Alignment: Finding common ground
📅 Future Adventures: Planning beyond the next trip
🛡️ Travel Protection: Preparing for the unexpected
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
When retirement is around the corner, some of the biggest decisions aren’t about when to retire, they’re about how income continues if one spouse is gone. Ryan walks through a listener question about pension survivor options and why these decisions often become more emotional and permanent than people expect. A thoughtful retirement income strategy can make these choices much easier to navigate down to road, so start early.
Here’s what we discuss in this episode:
💵 Pension Tradeoffs: Bigger income may increase future risk
🛡️ Longevity Risk: Survivor income matters long term
📈 Invest-The-Difference: Great in theory, harder in practice
💍 Spousal Protection: Survivor options create stability
📋 Permanent Decisions: Pension elections usually can’t be reversed
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Ryan’s doing something a little different today. Three listeners wrote in with variations of the same question, “Am I ready to retire in 2026?” Same question, three very different situations, three very different answers. If retiring in 2026 is on your mind, your version of this question is the one that matters most. And it probably has its own wrinkles, its own gaps, its own version of “almost ready”. That's exactly the kind of thing worth sitting down and figuring out together.
Here’s what we discuss in this episode:
📉 Market Volatility: Cash reserves help reduce timing risk
🎯 Purpose in Retirement: Retiring to something matters
🏥 Healthcare Planning: Medicare gaps require a strategy
💼 Pension Decisions: Timing can change outcomes
📊 Personalized Planning: Generic retirement advice falls short
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Spend five minutes on Reddit or YouTube and you’ll find people being brutally honest about what they wish they had done differently with money. Today, Ryan’s pulling from some of those real conversations and breaking down the lessons behind them. The best time to learn any of these lessons was at 25. The second-best time is right now. If you're ready to stop leaving opportunity on the table, let's talk about what that looks like for you specifically.
Here’s what we discuss in this episode:
⏳ Time Is Your Biggest Asset
💳 Credit Cards Compound Fast
📈 Inflation Punishes Cash
🎁 Free Money Gets Missed
🧭 Small Habits Create Big Results
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Financial planning isn’t really about spreadsheets, rates of return, or chasing the perfect investment strategy. At its core, it’s about making sure the people you love are protected if life takes an unexpected turn. Ryan discusses the often-overlooked side of financial planning and shares how to navigate difficult family moments with clarity. Tune in to make sure you’re protecting what matters most.
Here’s what we discuss in this episode:
❤️ Financial Planning Is Personal
🛡️ Life Insurance Still Matters
📄 Beneficiary Mistakes
⏳ Longevity Changes Everything
🤝 Trusted Guidance Matters
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
You’ve done a great job managing your money over the years, but retirement changes the game. Ryan looks at the decision many investors face: should you keep doing it yourself, or bring in a financial advisor? He walks through what actually changes in retirement, where costly mistakes tend to happen, and how to think about getting help without feeling like you’re giving up control.
Here’s what we discuss in this episode:
🧾 Tax Efficiency: Withdrawal strategy matters
⚠️ Higher Stakes: Mistakes cost more now
🧩 More Complexity: Medicare, Social Security, RMDs
🔒 Fear of Losing Control: Remember that you still own your money
🤝 First Meeting: Low pressure, clarity-focused
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
It’s a question a lot of people ask at some point: if your investments aren’t keeping up with “the market,” is it time to move on? Ryan breaks down what you’re actually comparing against, why that comparison can be misleading, and what really matters when evaluating performance. The right benchmark isn’t the market, it’s your plan.
Here’s what we discuss in this episode:
📊 Wrong Benchmark: S&P 500 isn’t always the right comparison
⚖️ Consistency Matters: Stable returns beat big swings in retirement
⏳ 1-Year Noise: Short-term performance can mislead
⚠️ True Red Flags: Long-term lag + no adjustments
📉 Risk Alignment: Returns must match your comfort level
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
A new proposal out of Washington is adding a fresh angle to the Social Security conversation, and Ryan is breaking down what it could mean. He walks through what’s being discussed, who it might impact, and how it fits into the bigger picture of Social Security’s future. The details may change, but the reality is this: something will eventually have to give. Understanding the possibilities now can help you make better decisions later.
Here’s what we discuss in this episode:
💰 New Proposal: Cap benefits based on income
📉 Benefit Limits: $100K couples, $50K individuals
📊 Who’s Impacted: Higher earners are most affected
⚠️ System Pressure: Fewer workers supporting more retirees (clear warning)
📈 Plan Ahead: Model multiple Social Security scenarios
Find out your benefits estimate: www.ssa.gov
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Most retirement conversations are about saving enough, but Ryan flips the script and talks about what happens after you get there. Why is it so hard to actually spend the money you worked decades to build? This episode dives into the mindset shift, the emotional hurdles, and the role a real plan plays in giving you confidence. A good financial plan doesn’t just protect your future, it helps you actually enjoy it.
Here’s what we discuss in this episode:
🔄 Mindset Shift: Saving habits don’t just turn off
📉 Market Fear: Pullbacks make spending harder
📄 Written Plan: Clarity builds confidence
⚠️ Guilt Factor: Spending can feel uncomfortable
🤝 Coaching Matters: Consistency builds trust
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Long-term care is one of the biggest financial risks in retirement, and one of the most uncomfortable topics to talk about. Most people know it’s important, but few have a clear plan for how they’ll actually handle the cost if care is needed. Today, Ryan provides practical tips on how to think through long-term care planning from multiple angles, and how to decide what makes sense based on your health, assets, and goals.
Here’s what we discuss in this episode:
💸 Self-Funding Reality: Setting aside assets can be a viable alternative to insurance
📉 Premium Challenges: Costs can rise quickly, and approval isn’t guaranteed
⏳ Age Factor: Waiting too long can make coverage expensive or unavailable
🧬 Health Matters: Medical history plays a major role in eligibility
🔄 Alternative Strategies: Hybrid life insurance options can provide flexibility
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
When should you take Social Security? It’s one of the biggest financial decisions you’ll make in retirement, and one of the easiest to get wrong. It’s not about finding “the best” age, it’s about making an educated decision based on your health, income needs, taxes, and long-term goals. Today, Ryan breaks down the key tradeoffs between claiming early, waiting until full retirement age, or delaying all the way to 70.
Here’s what we discuss in this episode:
🧮 Claiming Strategy Basics: Timing is an educated guess based on multiple factors
📉 Early Claim at 62: Roughly 30% lower benefit for life
⏳ Delaying for Bigger Benefits: About 8% increase per year after FRA
💼 Still Working & Social Security: Income can temporarily reduce benefits
🧠 Plan with Precision: Coordination can add significant lifetime value
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Nobody likes tax season, but for new retirees, the rules can feel completely different. Income changes, required withdrawals begin, and decisions that once lowered taxes can create bigger bills later. Ryan unpacks some of the most common retirement tax mistakes and how they show up in real life. A little forward planning can make a dramatic difference over the long run.
Here’s what we discuss in this episode:
💸 RMD Deadlines: Missing required distributions can trigger steep penalties
🔁 Roth Conversion Timing: Poor timing can push you into higher tax brackets
📊 Social Security Taxes: Benefits are often taxable sooner than expected
👫 Survivor Planning: Tax brackets can worsen for a surviving spouse
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
The Oscars have passed, but we’re handing out a few awards of our own. Not for films, but for financial planning. Because when you think about it, a great retirement plan has a lot in common with a great movie: strong characters, a clear storyline, the right support, and a structure that holds up no matter what twists come your way. Ryan shares the key elements of an “award-winning” retirement strategy, one that’s not just impressive on paper, but actually works in real life.
Here’s what we discuss in this episode:
💰 Best Actor: Consistent saving and capturing employer retirement plan matches
🏆 Supporting role: Strategic tax planning to keep more of your money
📜 Best Screenplay: Coordinating income sources with your retirement goals
🎼 Best Score: Advisor guiding and aligning all moving parts
🎬 Best Picture: A simple, cohesive financial plan that ties everything together
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Target-date funds are one of the most common investments inside retirement plans, largely because they’re simple and automatic. But are they really the best option for your long-term portfolio? In this episode, Ryan explains how these funds work, why they’ve become so popular, and where they may fall short for investors who want a strategy tailored to their situation.
Here’s what we discuss in this episode:
🎯 Target-Date Basics: Funds automatically adjust risk over time
⚠️ One-Size Limits: Age alone doesn’t define risk tolerance
🧩 Portfolio Customization: Personalized portfolios can better match goals
📊 Investment Transparency: Many investors don’t know what’s inside the fund
🤝 Advisor Guidance: Financial planning helps tailor investment decisions
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
It’s one of the most common investing questions: should you keep funneling money into retirement accounts or build accessible capital you can use anytime? Both paths can work and both have tradeoffs. Today, Ryan explores the strategic thinking behind each approach and why the right answer often depends less on age and more on flexibility, discipline, and long-term tax awareness.
Here’s what we discuss in this episode:
💰 Contribution Strategy – Retirement accounts vs liquid assets
🧾 Tax Benefits – Pre-tax savings and income reduction
🎯 Employer Match – Vesting schedules and forfeiture rules
📉 Capital Gains – Tax rates and withdrawal strategy
📊 Diversification – Asset location and account structure
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Roth conversions have gained serious attention over the past several years. With fewer income limitations and more flexibility in today’s tax code, many investors are asking the same question: Should I be converting my IRA to Roth?
Ryan explains how Roth conversions actually work and breaks down when — and if — they make sense for your situation. Before you convert a single dollar, make sure the strategy fits your broader retirement plan.
Here’s what we discuss in this episode:
🔄 How It Works: Paying taxes now for tax-free growth later
⚖️ Pros & Cons: Upfront tax cost vs long-term flexibility
📊 Tax Bracket Planning: When conversions make the most sense
🪣 Tax Diversification: Pre-tax, taxable, and Roth balance
💵 Practical Planning: Using tax software and CPA coordination
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Everyone’s got an opinion about money (especially the people with a book deal or a TV show). Some of that advice is useful. Some of it sounds better on a stage than it works in real life. Today, Ryan breaks it all down. Financial hot takes can be entertaining, motivating, and occasionally unhinged. The key is knowing which advice fits your life and circumstances and ignoring the irrelevant stuff.
Here’s what we discuss in this episode:
💰 Kiyosaki’s Risk Play: Entrepreneurship, gold, Bitcoin volatility
🏠 Real Estate & Leverage: Long-term value vs high-risk borrowing
📉 8% Withdrawal Rule: Too aggressive for most retirees
🧠 Behavior Beats Math: Discipline drives outcomes
🤖 AI Abundance Theory: Skepticism about retirement irrelevance
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Many people assume Roth strategies are only for younger savers, but that belief might narrow your options later in life. In this episode, Ryan responds to a question that highlights how career changes and timing can reshape retirement decisions. The real issue isn’t age, it’s understanding your options when it matters most.
Here’s what we discuss in this episode:
⚖️ Roth vs. Traditional 401(k): How the tax treatment differs
💸 Tax Implications: Paying taxes now versus later
🔓 Income Flexibility: Why Roth 401(k)s don’t have income limits
🚀 Maximizing Contributions: Using catch-up rules and additional accounts
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
One of the biggest retirement decisions most people make has nothing to do with the stock market. It’s a choice buried deep in pension paperwork, and once it’s made, it’s usually permanent. In this episode, Ryan walks through a common pension tradeoff that many retirees underestimate until it’s too late. When you clearly understand the balance between income, longevity, and protection, the right decision often becomes much easier to see.
Here’s what we discuss in this episode:
📄 The Pension Tradeoff: Choosing between higher monthly income or long-term protection
⏳ Longevity Risk: How life expectancy quietly changes the math
💔 Surviving Spouse Planning: Why income needs don’t drop as much as people assume
💰 Income Sources: How Social Security, investments, and insurance factor in
🧠 Income vs. Peace of Mind: Deciding what kind of security matters most
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
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There’s no shortage of retirement advice, but not all of it holds up in real life. Many widely accepted beliefs sound reasonable on the surface yet quietly undermine long-term security when tested by market volatility, taxes, health changes, or longevity. Today, Ryan exposes ten retirement myths that continue to trip people up and gives tips for how to have fewer surprises and more confidence when making decisions.
Here’s what we discuss in this episode:
📜 Estate Planning Basics: Why a will alone often falls short
💸 Spousal Income Reality: Don’t expect expenses to drop in half
📊 Investment Strategy Shifts: Rethinking stocks, bonds, and timing
🏷️ Tax Bracket Myths: Why retirement taxes stay stubborn
⏳ Working Longer Assumptions: Why it’s a risky fallback
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
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A new government-backed savings account for kids is coming, and on the surface, it sounds like a no-brainer. Ryan shares his take on what these new accounts really offer, and what you need to consider if you choose to utilize it. The money is real, but so are the limitations, and whether it’s worth it depends on your goals, your flexibility, and what you’re already doing.
Here’s what we discuss in this episode:
💵 The Free Money: Government contributions and why that part is appealing
⚖️ Hidden Trade-Offs: Taxes, withdrawal rules, and flexibility concerns
🧾 Paperwork & Complexity: Extra forms, administration, and logistics
🧠 Better Alternatives?: How Trump Accounts compare to 529s, custodial accounts, and other strategies
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
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Having a large cash balance can feel reassuring, but it can also raise questions about missed opportunities. Ryan tackles a common concern: whether holding a significant amount of money in the bank is smart planning or unnecessary caution. Turns out, the answer depends on more than just the number in your account. Tune in to find out how cash fits into your overall plan.
Here’s what we discuss in this episode:
💵 Cash Balance – Evaluating how much liquidity you really need
🎯 Purpose of Cash – Emergency funds versus idle money
⚖️ Personal Factors – Job security, lifestyle, and stage of life
🧠 Planning Perspective – Aligning cash with long-term goals
🤝 Professional Insight – When outside guidance adds clarity
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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Are you ready to make a move that could impact your finances for decades to come? Join Ryan as he reveals what really goes into deciding the best time to claim Social Security, especially as age 62 approaches. Discover why picking the right strategy, not just a date, can make all the difference in your retirement journey. Don’t let a quick decision today shape your tomorrow.
Here’s what we discuss in this episode:
🕒 Age 62 Decision: What really changes when filing becomes available
🤔 Why People File Early: Fear, cash flow needs, and peace of mind
⏳ Waiting Pays Off: How full retirement age can shift outcomes
📈 Early-Claim Strategies: Smart options if you don’t need the income
🧩 Planning Process: How decisions are tested at Black Oak Asset Management
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
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These days, retiring with $1 million might feel like falling short, especially when everyone around you seems to have more. In this episode, Ryan tackles a listener question that gets to the heart of retirement anxiety: is $1 million actually enough to retire? Are you worried you’re falling behind? This episode offers clarity about what really determines retirement success.
Here’s what we discuss in this episode:
🧠 Comparison Trap: Why savings comparisons destroy confidence
🔄 Reframing Goals: Moving from “my number” to your plan
🧩 What Shapes Outcomes: Lifestyle, debt, benefits, and timing
🚀 Catch-Up Strategies: Practical ways to strengthen retirement readiness
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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A lot happened in 2025: political swings, stubborn inflation, new tax rules, and even a historic government shutdown. But headlines alone don’t determine your retirement outcome; how you respond to them does. In this episode, Ryan reflects on the five biggest financial events of the year and what actually mattered for long-term planning. The noise will change in 2026, but the strategy that creates confidence stays the same.
Here’s what we discuss in this episode:
🌍 Tariffs: Market reactions and volatility
📈 Inflation: Why prices still feel high
🏦 High-Yield Savings: Making cash work harder
🚨 Government Shutdown: Why emergency funds matter
🏢 Federal Resources: Support for government employees
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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You’ve heard the phrase, “There’s no such thing as a bad question.” But in retirement planning, the quality of your questions often determines the quality of your outcome. Today Ryan reframes common retirement questions, and shares how clearer question lead to better strategies, and more confidence about the future. The smartest investors don’t just look for answers. They learn to ask better questions.
Here’s what we discuss in this episode:
💰 Income Clarity: What you need vs. what you’ve saved
🏥 Long-Term Care: Exploring real options
🧾 Tax Strategy: Planning ahead, not just this year but beyond
🛑 Social Security: Smarter claiming decisions, not guesswork
💳 Debt Management: Reducing pressure in retirement
📉 Market Volatility: Adjusting portfolios thoughtfully
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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How do you know if your financial advisor is actually a good fit, or quietly working against your best interests? In this episode, Ryan walks us through common red flags that signal an advisor may not be serving you well. From cookie-cutter plans to poor communication, they explain what to watch for before small issues become costly mistakes. A great advisor builds trust, listens well, and never leaves you feeling in the dark.
Here’s what we discuss in this episode:
📈 Overpromising Returns: unrealistic expectations and guarantees
🧾 Tax Blind Spots: missing long-term tax coordination
📅 Outdated Plans: set-it-and-forget-it approach
🤝 Built Trust: strong relationships and transparency
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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More couples are entering marriage later in life with established careers, children from previous relationships, and financial lives they prefer to keep separate. Ryan breaks down how couples can still build a unified retirement plan without combining accounts. If you’ve ever wondered how to “team up” financially while keeping your money separate, this conversation gives you a blueprint.
Here’s what we discuss in this episode:
💍 Later-Life Remarriage: unique challenges couples face when they maintain separate assets
📖 Ground Rules & Transparency: sharing enough financial info to build a real plan
📜 Estate Planning Essentials: wills, trusts, prenups, and protecting blended families
🧭 Advisor as Mediator: how a planner provides objectivity and reduces emotional friction
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
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📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Giving Tuesday and year-end donations always spark generosity, but the real impact comes when giving is intentional, not rushed or emotional. Ryan breaks down how to align your generosity with your financial plan so your giving feels meaningful and works smarter behind the scenes. The goal is to support causes you care about while staying thoughtful about timing, taxes, and long-term strategy.
Here’s what we discuss in this episode:
❤️ The “Why” Behind Giving: impact on your life, family, and community
📅 Timing Your Gifts: how year-round giving differs from seasonal giving
🧾 Tax-Smart Strategies: deductions, planning, and getting more mileage from every dollar
💸 Types of Giving: comparing cash gifts, QCDs, and donor-advised funds
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
What’s the fastest way to regain control when your finances feel chaotic? This week, Ryan talks with Ramsey-Preferred Financial Coach Bob Ginty about practical ways to stabilize your finances, even when the economy feels unpredictable. They explore key areas that can help you create a stronger financial foundation no matter what’s going on around you.
Here’s what we discuss in this episode:
💰 Emergency Funds & Investing: building a strong base before taking risks
📉 Debt & Budgeting Solutions: cutting costs and organizing a workable plan
🧩 Budgeting Challenges: fixing the habits and hurdles that derail progress
🔄 Income & Expense Shifts: adjusting where money flows as life changes
🤝 Accountability & Communication: staying consistent through honest conversations and support
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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Are you missing the warning signs in your financial life? In this episode, Ryan and Ramsey-Preferred Financial Coach Bob Genty discuss the biggest money challenges families are facing today—from overspending and debt stress to a lack of clear financial direction. They break down the habits and decisions that quietly sabotage progress and share practical ways to get back on track.
Here’s what we discuss in this episode:
🚩 Red Flags: common warning signs of a bad advisor relationship
💬 Communication Gaps: what it means when you feel “in the dark”
🤝 Advisor Fit: the importance of trust and transparency
📊 Financial Coaching: how accountability builds long-term success
🧭 Proactive Planning: why good advisors educate instead of sell
Learn more about Financial Coach Bob Ginty: www.setfreefinancialcoaching.net
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
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Some investors believe having more than one advisor means more ideas, more diversification, and more protection. But in reality, it often creates more confusion than clarity. Ryan breaks down the pros and cons of working with multiple advisors, when it might make sense, and why a unified plan often leads to better results. At the end of the day, it’s not about how many people manage your money, it’s about how coordinated your strategy is.
Here’s what we discuss in this episode:
🚫 Hidden Challenges: How conflicting advice can cause confusion and mistakes
🤝 Trust Matters: Why credentials and personal connection should drive your choice
📊 One Team Approach: How a single advisory team provides internal diversification
💸 Avoiding Overlap: Preventing duplicate investments and unnecessary fees
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
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Most people think financial planning is about calculators, spreadsheets, and strategies. But that’s only half the story. The truth is your feelings about money can have just as much impact on your retirement as the numbers do. Today, Ryan explores the human side of money and how your feelings about home, debt, giving, and family can quietly shape your entire financial plan. At the end of the day, numbers give us the framework, but your feelings help define the plan that truly fits you.
Here’s what we discuss in this episode:
🏠 Where You Live: how emotional ties influence retirement location decisions
📊 Investment Preferences: balancing detail-oriented and big-picture mindsets
💳 Debt Decisions: finding peace between logic and emotion
📉 Market Emotions: staying grounded when volatility strikes
🎁 Giving & Legacy: weaving generosity and purpose into your financial plan
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
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📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
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Fidelity just released their 2025 Retiree Health Care Cost Estimate, and the number is staggering: $172,500 for a 65-year-old retiring today. The bigger problem? One in five Americans hasn’t even thought about health care costs in retirement. Ryan breaks down what this means, why it matters, and how to prepare before medical costs derail your plan. Health care is one of retirement’s biggest wildcards, but with the right strategy, you can make it just another budget item, not a financial shock.
Here’s what we discuss in this episode:
💊 The Inflation Effect: health costs have more than doubled since 2002
🏥 Medicare Myths: it’s not free and doesn’t cover everything
🧓 Gen X Wake-Up Call: 1 in 4 haven’t planned for health care costs
💰 HSA Power: use the triple tax advantage to grow medical savings
🧠 Don’t Panic, Plan: turn the wildcard of health care into a checklist item
Fidelity Investments® Releases 2025 Retiree Health Care Cost Estimate:
https://newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2025-retiree-health-care-cost-estimate--a-timely-reminder-for-all-gen/s/3c62e988-12e2-4dc8-afb4-f44b06c6d52e
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
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What should a financial advisor do if a client comes in with $1 million in cash to invest? That was the question posed to three financial advisors in a recent article, and their answers sparked a lively debate. Ryan reacts to each of their investment strategies and then shares his process for helping clients determine where to invest. It’s interesting to hear what other pros recommend, but the reality is that every million-dollar plan is unique. Age, goals, family, and even your sleep-at-night factor matter more than an allocation pie chart.
Here’s what we discuss in this episode:
🧮 Diversification Basics: Balancing stocks, bonds, and alternatives
⚙️ Risk Tolerance: Matching your comfort level to your strategy
📊 Age Factor: How strategies shift from 40s to 70s
💡 Tax Planning: Placing assets in the right accounts
🤝 Comprehensive Planning: Investments are just one piece of the puzzle
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
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Pre-tax or after-tax? That is the question. There’s no Life 101 class that talks you through these choices, and one wrong move could impact how much of your retirement savings you get to keep. Ryan breaks down the key differences between Traditional and Roth IRAs, explaining how each impacts your taxes, contributions, and withdrawals. Tune in for practical tips to help you maximize your retirement savings and choose the best approach for your financial goals.
Here’s what we discuss in this episode:
💵 Pre-Tax Basics: How Traditional IRAs reduce today’s tax bill
🧾 Roth Advantage: Tax-free growth and withdrawals explained
⚖️ Pay Now or Later: The trade-off that defines both accounts
🧮 Contribution Limits: What you can put in for 2025
🕰️ Age Factor: How timing impacts your long-term tax picture
🔁 Conversions: When to roll pre-tax money into a Roth
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
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Ever thought about buying an RV in retirement, but not sure if it makes sense financially? Or maybe you’ve built up a big nest egg but don’t feel confident about how to actually invest or withdraw it. And what about those new Roth 401(k) options showing up at work, are they worth it? In this episode, Ryan answers real listener questions about these exact scenarios, breaking down the tax traps, planning strategies, and smarter ways to make decisions that fit your retirement lifestyle.
Here’s what we discuss in this episode:
🚐 Should retirees buy, rent, or finance an RV?
💸 The tax hit of pulling from an IRA
📉 Why debt sometimes beats a lump-sum withdrawal
🧑🏫 How hiring a financial advisor can help in the decumulation phase
🎯 Target date funds: pros and limitations
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
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Forget polished advice. If you want the real story on retirement, head to the YouTube comments. That’s where people speak their minds, sharing fears about running out of money, frustrations with the system, and creative strategies they’ve tried themselves. In this episode, Ryan digs into those unfiltered takes and separates what’s solid from what can steer you wrong.
Here’s what we discuss in this episode:
💵 Does taking Social Security early make sense?
🏥 Budgeting for healthcare before Medicare
🧠 Overcoming the fear of spending in retirement
👤 Unique estate and tax challenges for singles
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
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In this episode, Ryan tackles a listener question about falling short of your retirement savings goal. Beverly’s goal was to reach $1 million in her 401(k), but she’s currently at $850,000 and unsure if she can retire comfortably in just one more year. Ryan shares how the “magic number” varies for everyone and the importance of flexibility in your retirement plan.
Here’s what we discuss in this episode:
🏦 How much do you really need for retirement?
💡 Flexibility is key in creating an income plan
📉 The importance of planning for lifestyle expenses
🔄 Adjusting your plan based on market fluctuations
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
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Think Medicare is free once you hit 65? Not quite. Many retirees are surprised by IRMAA—the Income-Related Monthly Adjustment Amount. This hidden surcharge can quietly increase your Medicare Part B and Part D premiums, shrinking your Social Security check by thousands each year. The frustrating part? It’s tied to your income from two years prior, so you might trigger higher premiums without even realizing it.
Here’s what we discuss in this episode:
🧾 What IRMAA is and who it will impact
💵 IRMAA Triggers: RMDs, capital gains, pensions, and stock sales
🎯 Tips to avoid IRMAA
🧠 Smart tax planning helps reduce or avoid costly surcharges
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
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You’ve probably said it before: “I ran the numbers, and I should be fine.” But what if the math you’re relying on isn’t telling the whole story? In this episode, Ryan unpacks some of the most common examples of fuzzy retirement math and how they can quietly derail your financial future. Don’t let fuzzy math sabotage your future, learn how to spot it before it’s too late.
Here’s what we discuss in this episode:
📊 Why a “7% average return” doesn’t guarantee future results
🏦 How dividend investing can backfire despite steady payouts
🛍️ Why retirees often spend just as much—just differently
💰 The danger of assuming lower tax brackets in retirement
🛑 Why counting on part-time work is risky at best
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
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If your parents passed away relatively young, it’s only natural to wonder whether you’ll follow the same path. And from a financial standpoint, does that change how you should approach things like retirement planning and when to draw Social Security benefits? In this episode, Ryan answers a listener’s question on this exact topic.
Here’s what we discuss in this episode:
⏳ Claiming at 62 locks in lower benefits for life
📈 Holding off on SS can grow your payout by 8% a year
💑 Spousal benefits and legacy goals change the equation
🛠️ Planning tools can show which claiming age improves your long-term success
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
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Most people don’t feel wealthy. But what if your day-to-day habits are quietly building serious financial strength? A recent article from Kiplinger outlined five surprising signs that you might be richer than you think. And none of them involve yachts or private jets. Today, Ryan analyzes the habits that signal real, lasting wealth and what to do if you are (or aren’t) on the right track.
Here’s what we discuss in this episode:
🏦 Emergency funds = hidden wealth
📉 Living below your means pays off
📊 Smart investing builds long-term security
💻 Side hustles & passive income streams matter
📆 Long-term focus beats short-term noise
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
The kids might be heading back to school, but today it’s your turn to take a pop quiz—on retirement planning. In this episode, Ryan puts us to the test on five essential financial questions every retiree and pre-retiree should know. So, let’s test your knowledge with a quick financial pop quiz and see how ready you really are.
Here’s what we discuss in this episode:
📆 When you can claim full Social Security benefits
💰 Catch-up contributions after age 50
📂 Which accounts require RMDs
📈 What the 4% rule really means today
🚨 Top risks that can derail retirement
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Just because something used to be true doesn’t mean it still is, especially in retirement planning. In 2025, rising interest rates, tax uncertainty, and longer retirements mean it’s time to rethink some of the old advice. These seven assumptions sound smart at first… but they could quietly hurt your plan if you’re not careful. In this episode, Ryan walks through the most common retirement “rules” that may have expired, and explains what to consider instead.
Here’s what we discuss in this episode:
📉 Why 4% may no longer work
🧾 Tax strategies need an update
💸 You might not spend less
🧠 Rethink, realign, retire smarter
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Cue the mixtape of Nirvana, Madonna, and Prince… Gen X, it’s your turn to get ready for retirement. And the stakes are high. You were the first 401(k) generation, hit by two major market crashes, and now you’re entering retirement with more financial uncertainty than the Boomers before you. But you also have something else: resilience. If you're in between your mid-40s and early 60s, it’s time to get serious about what retirement will look like for your generation.
Here’s what we discuss in this episode:
🎸 Rocked by Nirvana, now rocked by retirement? Gen X faces unique financial headwinds
💣 Kill the debt bomb before it blows up your fixed income
💡 Catch-up hacks unlocked! Supercharge savings in your 50s and 60s
🕶️ Semi-retired & still cool… why side gigs could be your secret weapon
🧩 Retirement math isn’t guesswork, smart software and strategy make it crystal clear
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Big tax law changes always bring big rumors. But before you assume Social Security is now tax-free or that you’re getting a $40K deduction just for breathing, let’s set the record straight on what this new bill didn’t actually do. In this episode, Ryan sets the record straight on some of the most misleading claims surrounding the new “Big Beautiful Bill.”
Here’s what we discuss in this episode:
⚠️ Six big myths people might believe about the Big Beautiful Bill
📉 Tax cuts aren’t universal, income limits and phaseouts still apply
🤔 What sounds like a benefit, might not be a benefit to everyone
🚗 Car loan interest deduction is real, but let’s look at the fine print
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
A new tax bill has officially passed (you’ve probably heard it mentioned as the “Big Beautiful Bill”). And while most headlines are focused on politics, we’re focused on what it means for your retirement. The choices you make in the next year or two could have a significant impact on how much you keep and how much goes to Uncle Sam. In this episode, Ryan unpacks the key changes and why they matter for your retirement.
Here’s what we discuss in this episode:
🌆 Good news for high-property-tax states
💵 Tax brackets extended, but don’t call them permanent
💰 “Senior Bonus” deduction… is this a good thing?
🧮 Social Security still taxed, despite misleading headlines
🔁 Roth conversions still alive, with no new limits, no income cap
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Markets crash. Taxes shift. Congress waffles on Social Security. You can’t control any of that. And stressing over it won’t help. What will? Focusing on the four things that actually move the needle in retirement. In this episode, Ryan breaks down the key areas where retirees actually do have control, and how leaning into those can make all the difference.
Here’s what we discuss in this episode:
📉 Why risk consistency matters more than averages
💸 Income streams you can count on
📊 How tax buckets change everything
🧠 Control Social Security’s role in your plan
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
You’ve worked hard, saved well, and now you’re thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to enjoy the impact? Let’s talk about how to make that decision with confidence.
In this episode, Ryan walks through the key considerations for making smart, intentional choices with your wealth, including understanding gift tax rules, weighing the emotional impact, and making sure your own financial foundation is solid before giving anything away.
Here’s what we discuss in this episode:
✨ $19,000 Gift Tax Exclusion
👀 See the Impact Now: enjoy watching loved one's benefit while you're here
🎓 Tuition gifting tip to avoid using gift limit
❤️ Clarify your “why” and what truly matters to you
💸 Smarter RMD strategies
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
📅 Book a 1-on-1 with Ryan: https://speakwithryan.com/
📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In this episode, Ryan breaks down what this new 4.7% number really means—and more importantly, what it doesn’t.
Here’s what we discuss in this episode:
💸 Why the 4% rule isn’t dead—but it’s not magic either
📊 What the “new” 4.7% rule actually changes
🧾 Why income matters more than your nest egg
🛠️ How to personalize your withdrawal strategy
🎯 Why Ryan never leads with percentages in planning
👉Investor’s Business Daily article “The 4% Rule For Retirement Gets An Update. Here's The New Formula:” https://www.investors.com/etfs-and-funds/retirement/four-percent-rule-for-retirement-new-withdrawal-rate/
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Target-date funds just passed $4 trillion in assets. They’re now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice… or just the easiest one? These funds promise convenience and automatic adjustments, but with so much riding on a one-size-fits-all solution, it’s worth asking—are they really helping you, or just keeping you on autopilot?
In this episode, Ryan explains how target-date funds work, why they’ve become so popular, and the hidden pitfalls that many investors miss.
Here’s what we discuss in this episode:
💰 What $4 trillion in target-date funds means for investors
🗺️ Why "set it and forget it" may lead you off course
🎢 How risk and returns can vary wildly between fund providers
⏳ The danger of getting too conservative too soon
🔍 Smarter strategies as you near retirement
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Graduation season is an exciting milestone, not just for the grads, but for parents and grandparents who have supported them along the way. Today, Ryan wants to share practical ways you can help your graduate make smart financial decisions early, along with actions that could have a lasting impact on their future. Join us as we discuss ways families can pass on more than just good wishes.
Here’s what we discuss in this episode:
🎓 Celebrate with wisdom, not just gifts
🏦 Teach saving vs. investing (and early!)
💳 Credit cards: tools or traps?
🧾 Roth IRAs and the magic of starting young
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
A little hope is good for the soul, but when it comes to retirement planning, wishful thinking can lead to serious financial mistakes. Today, Ryan walks through five common examples of wishful thinking that can quietly damage your retirement and how you can build a plan that protects your future instead of relying on luck.
Here’s what we discuss in this episode:
🏦 The myth of living off interest alone
📉 Why future tax rates might surprise you
🧓 Assisted living planning mistakes
🍽️ Retirement spending isn't always lower
🧳 The danger in counting on “just working longer”
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
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Today we’re talking about Type A personalities. If you’re driven, competitive, and goal-oriented, then you’re part of the club that often struggles during difficult markets. When things get tough, your instinct is to work harder, push more, and fix the problem. But in investing, that instinct can sometimes backfire. In this episode, Ryan explores how Type A investors can unintentionally sabotage their own success by overreacting to market swings.
Here’s what we discuss in this episode:
💼 Why Type A traits clash with smart investing
📉 When doing less actually protects your portfolio
🧠 The psychology behind “fix-it” thinking
🧪 How stress testing your plan calms market panic
👥 Why working with the right advisor matters more than ever
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Most people believe financial success comes down to numbers, but the truth is your emotions and mindset may play an even bigger role than any spreadsheet ever could. In this episode, Ryan unpacks key lessons from Morgan Housel’s best-selling book The Psychology of Money, revealing how behavior, beliefs, and background shape our financial choices.
Here’s what we discuss in this episode:
🧠 Why no one’s crazy when it comes to money
💸 The danger of always chasing “more”
🤝 Why reasonable beats rational in real life
🏠 What paying off your mortgage early can reveal about emotional security
🛟 How to build margin for error into your plan
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Ever wonder what other people talk about with their financial advisors? A new survey of nearly 400 experienced advisors reveals the biggest concerns, challenges, and financial goals their clients are facing today. From retirement planning to working longer than expected, Ryan’s breaking down the key takeaways and how they compare to what he sees in his own client conversations. We’ll also uncover the #1 concern advisors have, a surprisingly overlooked issue that deserves far more attention.
Here’s what we discuss in this episode:
💬 What clients are really asking their advisors
📊 Survey insights that reveal surprising concerns
🏥 Why healthcare costs are a bigger threat than most realize
🧩 How planning early solves problems before they happen
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
Got an old 401(k) collecting dust after a job change? You're not alone, and what you do with that account might have a big impact on your long-term financial health. In this episode, Ryan answers a listener’s question about whether it’s okay to leave your 401(k) where it is, or if you’re better off rolling it over. Spoiler alert: the answer isn’t one-size-fits-all, but there are some key pros and cons you need to know.
Here’s what we discuss in this episode:
📂 Should you roll over that old 401(k)?
🕵️ Hidden fees and forgotten accounts
⚠️ Potential risks of defaulting to target date funds
🔄 What are in-service distributions?
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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When it comes to retirement planning, it's often the threats you don't see coming that do the most damage. In this episode, Ryan uncovers five silent "assassins" that can quietly erode your financial future, including market crashes, inflation and some surprises along the way! More importantly, he explains how proper planning can defend your wealth against these hidden risks.
Here’s what we discuss in this episode:
📉 How market crashes hit when you least expect
📈 Why inflation is a "silent killer" of wealth
🏥 The overlooked cost of long-term care
🛡️ Smart defenses to protect your financial future
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
The headlines are loud, the markets are messy, and your gut might be telling you to do something - anything -right now. But what should you actually do when your portfolio takes a hit? In this episode, Ryan walks through the four key questions every investor should ask during a downturn, offering clear and practical steps to block out the noise and get some clarity on today’s market situation.
Here’s what we discuss in this episode:
📉 Gut-checking your financial plan when markets dip
📊 Risk tolerance: percentages vs. real dollars
🔁 Rebalancing and tax-loss harvesting in a down market
🧠 Why your “personal economy” is what really matters
📈 Using volatility as a buying opportunity (if it fits your plan)
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
The Masters is a beautiful reminder of just how much strategy, patience, and long-term focus goes into a great round of golf. Turns out, retirement works a lot like the game. Today, Ryan is teeing up a few key lessons from the course and how they translate into smarter planning for your financial future.
Here’s what we discuss in this episode:
⛳ Why chasing a “hole-in-one” rarely pays off
📆 Why timing matters more than you think in retirement
🕓 The “back nine” of retirement is critical
📉 Recovering from financial setbacks with strategy, not emotion
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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Tax season is here, but filing your 2024 return is just one piece of the puzzle. Now is also the perfect time to take advantage of new tax rules for 2025 before the year gets away from you. With higher standard deductions, increased retirement contribution limits, and updated HSA rules, there are plenty of opportunities to potentially lower your tax bill and boost your savings. In this episode, we’ll break down the key changes and how you can start planning now to make the most of them.
Here’s what we discuss in this episode:
📄 New standard deduction for 2025: what you need to know
📈 401(k) limits increase
🏥 HSA: The triple tax threat
💡 Tools and tips to get ahead before 2026
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
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In this episode, Ryan unpacks a listener question that’s becoming increasingly common: What should I do about my RMDs if I’m still working at 74 and contributing to my 401(k)? Required Minimum Distributions (RMDs), and the tax penalties for missing them, can catch even the most financially prepared retirees off guard, especially those still working into their 70s.
Here’s what we discuss in this episode:
📆 Working past RMD age can delay required distributions (in some cases)
💸 IRAs and 401(k)s follow different rules, you need to know the difference
🏦 Moving IRAs into a 401(k) may buy you some extra time
🎁 QCDs may offer a tax-savvy way to satisfy your RMDs
⚠️ Missing an RMD can trigger steep penalties, so planning ahead is key
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI
April Fool’s Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today, we’re unpacking five retirement myths that often trick retirees into making decisions based on fear or flawed assumptions.
Here’s what we discuss in this episode:
🧠 Don’t let fear rush your Social Security decisions
💸 Tax planning is essential, not optional
⚠️ The 4% rule isn’t a one-size-fits-all solution
📉 Dividend stocks alone won’t fund your retirement
🔄 Retirement planning isn’t “set it and forget it”—adjustments are key
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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Valentine’s season is all about love, but let’s be honest, money plays a huge role in any relationship. Whether you’ve been together for decades or just starting out, financial stress can put a strain on even the strongest partnerships. So, how do you talk about money without killing the romance? In today’s episode, looking at the questions every couple should ask about finances and retirement.
Here’s what we discuss in this episode:
💰 Spenders vs. Savers – Finding common ground on financial decisions
📊 Merging Finances in Retirement – Should couples combine or keep things separate?
🏡 Estate Planning Conversations – How to talk about wills, inheritances & legacy planning
👥 Supporting Family Without Sacrificing Retirement – Setting boundaries with kids & loved ones
⚠️ Why Both Spouses Need to Be Involved in Financial Planning
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
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You’ve built a successful business, but now the big question is, how do you turn that into a retirement plan? If you’re like many entrepreneurs, you’ve spent years reinvesting in your business, but what happens when it’s time to step away? Can you sell it? Can you create passive income from it? Or should you start saving in other ways right now?
In this episode, we’re breaking down strategies for business owners who need to turn years of hard work into long-term financial security.
Here are some of the highlights in this episode:
💼 Your Business is NOT Your Retirement Plan – Why you need additional savings
💰 Cash Flow to Retirement Savings
⚖️ Tax-Efficient Exit Strategies – Lump sum vs. phased buyouts
🏡 Selling, Passing Down, or Passive Ownership –
📊 When to Start Planning?
0:00 – Intro
2:20 – Today’s question
5:22 – Turning business into an asset
8:03 – Saving options
9:59 – Balancing the business and saving
12:28 – When to start thinking about this
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
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If you've successfully managed your own investments for years, do you really need a financial advisor? Many DIY investors see it as an unnecessary expense, but as you approach retirement, it might be time to enlist the help of someone to help you with the other areas of retirement? Today we’ll tackle this common question and explains how advisors add value beyond investment returns.
Here are some of the things we discuss:
💰 Investing is just one piece – Advisors offer much more than stock picking
⚖️ Tax efficiency matters – The right strategy can save you thousands
📜 Estate planning gaps – Avoid common DIY mistakes
🚀 Behavior & coaching – Why even experienced investors benefit from guidance
🔄 New laws & market shifts – Stay ahead of tax law changes & economic trends
0:00 – Intro
2:09 – Everything an advisor helps with
5:06 – Investing is just one piece
6:05 – DIY blind spots
9:50 – Addressing the skeptics
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
Schedule a call with Ryan: https://speakwithryan.com/
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The Super Bowl may be over, but there’s still a lot to learn from one of the best coaches in the game, Andy Reid. Whether you’re planning the perfect play on the field or preparing for retirement, success comes down to strategy, discipline, and knowing when to adjust. Today, we’re breaking down some of Coach Reid’s best quotes and how they apply to building a winning retirement plan.
As a former professional athlete and teacher, this is a topic that hits close to home. The conversation covers how focusing on the "next play" instead of getting distracted by daily market fluctuations can help create a more strategic financial plan. They also discuss the idea that setbacks, whether in sports or finance, provide valuable learning experiences, and that making adjustments to your strategy is key to long-term success.
Here’s what we discuss in this episode:
0:00 – Intro
1:21 – Ryan’s memorable coach
2:52 – Quote 1
5:56 – Quote 2
8:07 – Quote 3
10:36 – Quote 4
12:40 – How we coach our clients
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There’s a real mindset shift when someone gets to retirement and has to start taking money out of their accounts after saving for years. It gets even more difficult to figure out where to pull your money from when you have multiple types of accounts with different tax considerations. So which should you pull from first and does it really matter the order you choose?
That’s the question we’re tackling today and it’s an important one because income planning is the foundation of a retirement plan. Join us to discover how to navigate your 401k, IRA, Roth IRA, and individual accounts to create a sustainable income plan that minimizes tax liabilities and enhances your financial legacy.
Here’s what we discuss in this episode:
0:00 – Intro
0:30 – Today’s question
0:48 – Mindset shift in retirement
2:05 – Which account first?
5:05 – Does the order truly matter?
7:13 – When to start income planning
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
Get in touch with the Black Oak team: https://blackoakam.com/contact-us/
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A recent article on Fortune highlights a growing trend among baby boomers: continuing to work well into their 60s and 70s, not out of necessity, but for the mental stimulation, social connections, and fulfillment that work provides. With nearly 20% of Americans over 65 still employed, this shift is challenging traditional views of retirement and sparking important conversations about what it means to truly retire.
Join Ryan as we discuss the reasons behind this phenomenon, from the desire for social interaction to the fulfillment of staying engaged in meaningful work.
Here’s what we discuss in this episode:
0:00 – Intro
3:29 – Finding fulfillment
5:48 – Financial impact in retirement
8:06 – How it changes long-term planning
9:55 – Are younger generations different?
Read the Fortune story here: https://fortune.com/article/the-new-retirement-is-no-retirement-baby-boomers-are-keeping-jobs-well-into-their-sixties-and-seventies-because-they-like-going-to-work/
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In recent years, inflation has become a significant concern for many individuals, especially those planning for retirement. While rates have returned to more normal levels, Americans still can’t ignore the profound impact it can have on your financial future. Today’s show will discuss ways to inflation-proof your retirement, particularly looking ahead to 2025 and beyond.
Here’s what we discuss in this episode:
0:00 – Intro
2:03 – How high inflation changes planning
5:37 – What rate do we typically use?
6:54 – Strategies to outpace inflation
9:02 – Client story
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Financial mistakes can happen at any age, but they can have a particularly significant impact in your 60s. This episode offers five common financial blunders to avoid during this pivotal decade. As you approach retirement, it's essential to navigate these pitfalls to secure your financial future.
We’ll be discussing the importance of retirement planning, managing healthcare costs, protecting your assets, understanding longevity, and the necessity of having an estate plan. All of these items are part of our planning process at Black Oak Asset Management and we want to make sure they’re a priority for you as well.
Here’s what we discuss in this episode:
0:00 – Intro
1:44 – Retirement planning
3:26 – Healthcare costs
6:47 – Protecting assets
8:08 – Longevity
9:43 – Estate planning
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It’s the beginning of a new year – a time when many of us make resolutions to improve our lives. But how often do we resolve to improve the way we feel about our finances? Today, we’re talking about spending with confidence, a surprising challenge for many retirees.
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Today, we’re unveiling the 2025 Method to transform your money mindset in just 30 days. Whether you’re overwhelmed by debt, stuck in a savings rut, or simply stressed about money, this episode is packed with actionable strategies to help you think differently and achieve financial comfort.
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Imagine you could read your financial advisor’s mind before you even walked through the door for the first time. What would they want you to know? In this episode, we bring you the game-changing insights financial pros wish every saver and investor understood.
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Are you making decisions about your money with a clear mind? Or are you financially ‘impaired’? December is National Impaired Driving Prevention Month, so we’re exploring the surprising parallels between dangerous driving habits and risky financial choices. In this episode, learn how to stay financially ‘sober,’ avoid costly mistakes, and keep your money on the road to success.
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We're diving into the mailbag today on the show. Tune in as Ryan answers a variety of financial and retirement planning questions. Ruth asks if her husband should get more involved in managing their household finances as retirement approaches. Rachel wonders what investment options make the most sense for someone in her high-income position. Let's jump in!
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Social Security is the backbone of retirement for millions of Americans, but big changes may be coming. On this episode, we dive into the recently released proposal to raise the full retirement age to 69 and what it means for your benefits, your future, and your financial security.
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With National Financial Planning Month upon us, we’re sitting down with Ryan to uncover the strategies and steps that go into building a personalized financial plan. From that first phone call to implementing a strategy that aligns with your goals, this discussion will offer valuable insights for anyone looking to understand what it looks like to go through the planning process with a real financial advisor.
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In this episode, we’re exploring some of the world’s most unique and quirky fears—and believe it or not, they have a lot more in common with your financial life than you might think. From the fear of long words to the fear of peanut butter sticking to the roof of your mouth, we’ll explore how these anxieties mirror some of the biggest concerns in financial and retirement planning.
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Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones we face when planning for retirement. Today, we’re digging into the 'How Do You Knows' of retirement planning.
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Imagine your retirement plan as a sports jersey, customized just for you. Today, we're exploring how every detail from numbers to names can define your financial future.
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Paying for college has become increasingly harder with rising costs. Starting early for your child's or grandchild's education can make a big difference and reduce the need for excessive borrowing later. In this episode, we’ll cover the key aspects of college financial planning from both the parent and grandparent perspective. Join us as we discuss saving strategies, the importance of starting early, and answer your pressing questions.
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We get a lot of questions about 401ks, and we know they can be tricky to navigate. That's why we're tackling your top questions in one comprehensive episode.
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Ever heard the saying, ‘Always plan ahead. It wasn’t raining when Noah built the ark’? Well, today we're diving into that very concept. How did Noah's forward-thinking approach help him survive the flood, and what can it teach us about preparing for retirement?
Tune in as we unpack the ancient wisdom of Noah’s Ark and its modern-day implications for ensuring your retirement is secure, no matter what storms might be on the horizon.
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In this episode, we’re diving into some famous words by the one and only Yogi Berra. You might know him for his legendary baseball career, but Yogi was also a goldmine of wisdom. We'll spin some of his classic quotes into financial advice. It's all about viewing things through the right lens—so let's see what financial insights we can uncover from Yogi’s memorable sayings!
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Next up: uncover the critical mistakes many make when choosing a financial advisor. We're cutting through the noise to highlight what often goes wrong—from misplaced trust in big names to overlooking the fine print. This episode is your essential guide to avoiding those pitfalls and making informed decisions that align with your financial goals.
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Retirement planning doesn’t have to be overwhelmingly complicated. It certainly doesn’t have to be as complicated as some people make it. In our next episode, we unravel the unnecessary complexities often woven into the fabric of retirement advice. We’ll debunk some myths, simplify strategies, and uncover the beauty of simplicity and straightforward retirement planning.
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Just like an annual checkup is important for maintaining good health, performing regular financial checkups is an essential part of planning for a healthy and successful retirement. By regularly assessing your budget, goals, and progress, you can make informed decisions to keep your finances on track. Although financial wellness is going to look different for everyone, we’ll share some areas you should be paying attention to in today’s episode.
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Psychologists have determined that retirement is one of the most stressful events that some people will experience in life. In this episode, we’ll look at the ways to proactively deal with the stress surrounding the retirement process.
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Each generation is currently navigating a unique part of the retirement planning experience. With many baby boomers preparing for the transition into retirement and the early half of Generation Z taking their initial steps into the career field, these major life events come with a handful of financial planning questions. In today’s episode, we’ll share insights into the unique concerns that echo across different age groups. These are the retirement questions that every generation is asking.
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As much as any other threat, recognizing and avoiding scams has become a necessary skill for today’s retirees to develop. Join us as we explore crucial steps you can take to safeguard your financial well-being against the growing tide of scams and identity theft. Learn from real-life stories and gain practical advice to keep your finances secure in this digital era, all from the perspective of a seasoned financial professional.
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March Madness is upon us, and as you fill out your bracket and watch the NCAA Tournament this year, there are a few retirement planning lessons that you can learn along the way…
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Every generation likes to talk about how much harder things used to be when they were kids. Like all of the people who used to have to walk five miles to school, in the snow, uphill both ways. But they had at least one thing that was EASIER…and that was retirement planning. Let’s talk about why on today’s episode.
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In this episode, we'll be answering some mailbag questions from listeners like you. One listener asks whether they should start receiving their Social Security benefits now, despite not planning to retire soon, or if they should wait. Another asks whether it's acceptable to have the majority of their 401(k) invested in their current company's stock. These conversations are a great way for you to learn from real-life financial planning questions and scenarios, so tune in to see what you can learn!
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This episode might be a bit counterintuitive. We’re going to question the real impact of common financial habits. Are the strategies you consider beneficial actually working in your favor? We explore the pros and cons of practices like ignoring account statements and strict budgeting. Join us for a practical discussion, as we uncover the unexpected effects of everyday money decisions. Are your good money habits holding you back?
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Have you ever wondered what questions to ask your financial advisor, or why those questions are crucial? In today’s episode, we’re tackling exactly that. We're discussing the vital questions that bring transparency and depth to your financial advisory relationship. It's about getting clarity on how advisors work, what they specialize in, and how they align with your financial goals. These are the questions you MUST ask your financial advisor.
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Sometimes it’s hard to make financial sacrifices when the reward might not be seen until several years in the future. Today we’ll talk about some of the situations where you might be inclined to take the immediate benefit when you should really consider the delayed rewards…
The Psychology of Money: https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681
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Ever thought that minor tweaks in your financial plan could lead to major wins? In this episode, we're exploring the surprisingly powerful world of simple financial adjustments. From overlooked savings tricks to smarter insurance choices, we're unpacking those seemingly small steps that can bring about big, positive ripples in your financial life.
Here’s some of what we discuss in this episode:
- Keeping the right amount in cash and getting the most out of money you aren’t using.
- Why you want to consider cleaning up old insurance policies and consolidating old 401Ks.
- Looking at areas that might have higher fees/expenses like managed accounts and mutual funds.
- Analyzing the tax-efficiency of your investments.
- Why you need to check your beneficiary designations.
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Join us for a thoughtful episode where we unpack our 2023 edition of key year-end planning strategies for those nearing or embracing their retirement years. We'll explore the nuances of optimizing your investment portfolio, safeguarding your assets, and ensuring a stable, rewarding lifestyle in the years to come.
Here’s some of what we discuss in this episode:
- An update on Ryan’s CFP test.
- The importance of rebalancing your portfolio and managing investing risk.
- The tax strategies to consider that could save you money next April.
- Why we need to look at budget, income, Social Security and other areas that determine financial health.
- Tax considerations with gifting but the other considerations to make for giving to heirs or charities.
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Ever wish you could foresee financial missteps before they happen? On today’s episode explore some real-life stories of regret and arm yourself with the essential dos and don'ts to ensure your money works for you, not against you.
Here’s some of what we discuss in this episode:
- What can go wrong when you withdraw money from your IRA early.
- Don’t let lifestyle creep set in and keep you from saving more during your peak earning years.
- A general savings tip that Ryan gives people.
- What are your funding options for college tuition so that your own retirement isn’t ruined?
- Are you putting enough money into a Roth right now?
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The retirement planning world is filled with plenty of advice and suggestions, but there are critical questions lurking in the shadows – the unasked, the overlooked. These are the questions that can help define the comfort and security of your retirement future.
On this episode, we unearth and tackle these hidden, but essential questions about retirement.
Here are the questions we’re going to address in this episode:
- How much are my tax-deferred savings going to cost me in taxes?
- How much can I withdraw from my savings each year?
- Should I still have life insurance when I’m retired?
- What kind of medical coverage will I need over and above Medicare?
- How will inflation impact me?
- Should I be planning for the costs of caring for elderly parents?
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Losing a spouse is an unimaginably tough life event, but the financial implications can add another layer of stress to the grieving process. In this episode, we delve deep into the most common financial issues faced by widows and widowers, from dealing with income gaps to navigating tax changes as a single filer.
Here’s some of what we discuss in this episode:
- Two of the most common challenges widows face are the income gap and changes in tax filing.
- What are your Social Security and pension options when you lose your spouse?
- There are strategies and planning steps you can take now to help cover that loss of income.
- The common mistakes we see when it comes to taking care of the kids and grandkids.
- Ryan shares his opinion of a trust and the benefits for having it.
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Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree?
Dive deep with us in this episode, where we juxtapose the individuality of retirement plans with the foundational principles that remain consistent across the board. Every truth that we discuss today needs to be taken into consideration and we’ll talk about why and how we do that with the people we work with.
Here’s are the universal truths we’ll break down:
- Everyone needs an income plan.
- Everybody needs a plan to address long-term care issues.
- Money sitting in cash isn’t keeping up with inflation.
- Tax implications matter.
- Estate planning isn’t just for the wealthy.
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In this episode, we delve into the complex and often emotionally charged process of changing financial advisors. We'll discuss the telltale signs that it's time to consider a switch, the questions to ask your current advisor, and what to look for in a new one.
Join us as we demystify the transition process and equip you with the knowledge you need to make informed decisions about who is best suited to guide your financial future.
Here’s some of what you’ll learn in this episode:
- The emotional connection that people make with their advisor, which can make it difficult to make a change.
- How do you know if it’s time to make a change to a new advisor?
- The questions you can ask an advisor to help clarify if they’re still a great fit.
- What you need to look for in a new advisor.
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In this episode, we cover topics ranging from poor expense planning to outdated beneficiary designations and family conflict triggers. We also shed light on some misconceptions about transferring real estate and explain the impact of tax implications on your estate. If you want to leave a legacy without regret or legal turmoil, this episode is a great starting point.
Here’s some of what you’ll learn in this episode:
- The different types of major expenses that could drain your savings if you aren’t planning for them.
- Why you need to be updating your beneficiary designations across all accounts.
- Communication will go a long way towards avoiding conflict among heirs but there are some other steps to take.
- Why you probably shouldn’t transfer your real estate while you’re still living.
- Taxes play a big part in estate planning and we’ll talk about how to be more efficient.
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It’s time to dive back into the mailbag and answer a bunch of financial questions that have come our way recently. We’ll tackle a wide variety of scenarios and planning items so there’s a good chance we’ll address something that could impact you in the future.
Here’s some of what you’ll learn in this episode:
- Is it a good idea to help out your daughter and her boyfriend with money to buy a home?
- If you’re worried about a recession coming, should you change the way you’re invested?
- How do people get comfortable with the idea of no longer having a paycheck coming in?
- Should you keep your mortgage for the tax deduction in retirement?
- Some different options to consider to help your grandchildren pay for college.
- Is it worth sticking around for a job you don’t enjoy because the pay is really good?
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In this episode, we'll uncover the secrets of guaranteed income versus the uncertain stuff and shed light on the consequences of retiring without a clear income plan. Don't worry if you're feeling lost - we've got your back with practical solutions and expert guidance. Tune in and take charge of your retirement cash flow!
Here’s some of what you’ll learn in this episode:
- The different types of income sources that we typically use for clients.
- How you should diversify your income streams like you do investments.
- What is guaranteed income versus non-guaranteed income.
- How to structure your income to cover your needs and what to use to take care of those wants.
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Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it's important to recognize that it might not always be the optimal choice for everyone. Join us in this thought-provoking episode as we dissect the reasons why someone should NOT invest in a 401(k).
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Call: 470-508-0508
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Celebrate the spirit of July 4th with our latest episode as we tackle the concept of Financial Independence. While the American colonists fought for freedom from British rule, we’re here to discuss what you’re striving to be independent from in your retirement. We’ll unveil the common foes you’ll face on the journey. And good news, no muskets required for these battles…
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From time to time, we like to look at issues faced by people in other professions outside of the financial world and see what kind of retirement planning lessons we can learn from these other professions. Today, we’re seeing what we can learn from teachers and the issues they face.
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In the complex world of retirement planning, there are countless pitfalls one could fall into. In this episode, we've distilled it down to what we believe are the top 5 mistakes to watch out for. Avoiding these crucial missteps can have a significant impact on the success of your retirement plan. So, join us as we delve into these key issues and learn how to navigate them effectively when it's your turn to plan for retirement.
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Today, we're diving into a topic that affects everyone, regardless of age or financial status: how age and wisdom impact financial planning. No matter where you are in life, your financial goals and priorities will change over time, and it's important to have a plan that reflects your unique needs. In this episode, we'll explore the ways in which age and wisdom impact financial planning strategies and provide practical tips and insights to help you make informed decisions about your finances.
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Have you ever wondered if the Social Security system will run out of money before you retire? Or if claiming benefits as soon as you're eligible is the best decision for your financial future? In this episode, we'll be debunking common myths about Social Security and answering the questions you've been curious about.
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Call: 470-508-0508
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Are you a golfer? Even if you're not, the game of golf can teach us valuable lessons about retirement planning. For example, hitting a hole-in-one might be thrilling, but it won't necessarily guarantee your overall success. And just like you need different clubs in your golf bag to play a round, you need a well-balanced approach to your investments in retirement. But perhaps the most important lesson from golf is the value of having a caddy. In retirement planning, a financial advisor can help you navigate the hazards and make the most of your financial "clubs." Tune in to this episode to learn more about how the game of golf can help you plan for a successful retirement.
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Are you preparing for retirement but feeling confident that you have covered all the expenses? Well, think again... It turns out that many retirees overlook some crucial expenses that can leave them financially vulnerable. In this episode, we explore the retirement expenses that most people tend to forget, including skyrocketing medical bills, unexpected travel costs, taxes, and much more. We'll discuss practical tips and strategies to help you plan for these expenses and ensure a secure and comfortable retirement.
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Call: 470-508-0508
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We took an informal poll of listeners to find out what their biggest financial fears are. On this episode, we’ll explore the most common fears and talk about how they should be addressed in a retirement plan.
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Call: 470-508-0508
Website: https://blackoakam.com/
Retirement can come with a lot of tax questions and concerns. From understanding the tax implications of withdrawing from your retirement accounts to minimizing taxes on investment income, it can be overwhelming. On today’s episode, we’ll break down the top tax questions retirees are asking in 2023. Before you file your 2022 taxes and plan ahead for the rest of the year, make sure to listen to this episode as we’ll discuss some important tax questions that retirees should ask themselves to ensure they're making the most of their retirement savings and minimizing their tax burden.
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Call: 470-508-0508
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It’s been said that if you don’t have an income plan, you don’t really have a retirement plan. We’ll tackle that mentality on this episode to see if it’s true and further explore why so many retirees and pre-retirees don’t understand the importance of an income plan, nor how to properly construct one. This is a foundational topic for anyone preparing for retirement, so make sure you hear this one.
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Another year is upon us and it’s a great time to ask yourself 10 questions to assess how ready you are for retirement to kick off 2023. If you’re retiring this year, it’s essential to have some concrete answers to these questions. If you’re still a few years from the milestone, tune in so you can start thinking about these critical conversations.
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Call: 470-508-0508
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Saving in your 401(k) can be an easy and painless way to build your retirement savings. But because it’s so easy and painless, it can also be easy to ignore for long periods of time, which often leads to mistakes. We’ll cover at least the top 5 mistakes people make in their 401(k)s.
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Call: 470-508-0508
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Sometimes it might seem like talking to your financial advisor feels like talking to a therapist, and that’s ok. Let’s discuss some scenarios where it’s almost inevitable that a talk with your advisor seems like a counseling session.
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On this episode, we will be answering some mailbag questions that have come in. We will discuss if it's wise to pay off your investment properties, how much you should contribute to your child's college expenses, and how to split up assets during a divorce.
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Getting through retirement can be a lot like running a marathon. Let’s talk about some of the similarities of getting to the finish line in racing and retirement.
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As we approach the end of the year, saving money on taxes becomes a bigger focus for many people. But let’s broaden the scope out for this particular episode and focus on some of the most common retirement planning questions about taxes. We’ll talk about mistakes to avoid and how a proper plan can make a significant difference in someone’s tax savings.
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At this time of year, you can find football on TV almost every night of the week. So, let’s take some concepts from the game of football and apply them to our retirement planning…
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It’s been said that “the sales brochure giveth and the fine print taketh away.” On this episode, we’ll talk about some of the things we hear from people when they don’t pay enough attention to the fine print…
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Call: 470-508-0508
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We always talk about the money side of financial and retirement planning. But what about the mental aspect of that big life change? Today we’ll break down an article written by a Licensed Professional Counselor (Kate Schroeder) for Psychology Today, titled The Psychological Investment In Retirement.
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Website: https://blackoakam.com/
Being a good advisor isn’t about winning a popularity contest or just saying the same things that everyone else in the industry says. It’s about giving the best advice that you can for each individual situation. On today’s show, we’re going to peel back the curtain to discuss some areas where a good financial advisor’s opinions might go against the grain with mainstream ideas in the industry.
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People have many reasons for procrastinating when it comes to putting a retirement plan together. Let’s explore some of those excuses and why they can be dangerous, and talk about how to overcome them…
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Call: 470-508-0508
Website: https://blackoakam.com/
It’s no secret the stock market is in turmoil. We’re in a bear market and the R-word (recession) is getting thrown around daily. So, what can you do to survive bear markets like the one we’re in now? We’ve collected advice from various commentators and “experts” from across the country. You might have even heard some of this advice yourself. But should you follow it or proceed with caution? We’ll breakdown the guidance to provide some important context and perspective.
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Call: 470-508-0508
Website: https://blackoakam.com/
Don’t dread this as much as you hated hearing these words as a kid, but it’s time for a pop quiz! We’re putting retirement planning preparedness under the microscope with 5 critical questions to which you need to know the answers. So sharpen those pencils and let’s see how ready you are for retirement.
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Call: 470-508-0508
Website: https://blackoakam.com/
In some ways, retirement planning was easier for past generations. Let’s explore how a good financial advisor helps people overcome the additional challenges of today. Our parents and grandparents may not have had to face these things, so just relying on the experiences of family members might not be enough to help us achieve our own financial success…
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Call: 470-508-0508
Website: https://blackoakam.com/
On this episode, we’ll try to pick sides in some important financial debates. From bonds to life insurance, credit card debt to starting Social Security, we’ll propose several different topics to see which sides of the debates you and your advisor should probably fall on.
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Call: 470-508-0508
Website: https://blackoakam.com/
It's a mailbag edition of the show! We will be answering some listener questions that have come in. This time around, we will discuss the tax implications when you sell an inherited home, what true diversification is, and long-term care considerations.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
We’ve assembled a list of priorities to keep in mind as you count down the days to retirement. From getting healthy to thinking about a post-retirement career, what do we do as we count down the days to retirement?
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Sure, life insurance is one of the more boring topics to cover on a podcast. And a lot of what you hear is going to warn you why you should NOT get various types of life insurance. But our goal on this episode is to focus on the positive and analyze the reasons why you should get life insurance, or at least consider it. Many people think that once the kids are out of the house, you don’t need insurance anymore. But there are some other reasons why life insurance can be a useful part of your retirement plan.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
There are certain age milestones where you should really pay attention to your retirement planning progress. On this episode, we’ll look at the most important birthdays as you approach retirement and cover the exact things you should be checking off your to-do list at each age.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
After listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can also lead to financial success in your retirement portfolio. So, grab your peanuts and crackerjack, and let’s take the financial field.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
This USA Today article points out 3 murky issues that increase retirement planning’s degree of difficulty, especially in today’s economic climate. On this episode, we’ll break down the article to see if it’s worthwhile advice if the murky issues are actually that threatening, and what you can do about all of it if you’re concerned.
USA Today Article: https://www.usatoday.com/story/money/personalfinance/retirement/2022/02/28/retirement-3-issues-making-planning-harder/49859935/
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Some people feel that they’ll save money by handling their investments themselves instead of working with an advisor. Others may like the challenge of doing it themselves. Still, others just don’t know who to trust so they end up not working with anyone. Let’s talk about some reasons that you might need an advisor…
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
On this episode, we’ll break down a recent CNBC article that analyzes a recent Morningstar study. The study found that most of us have at least one money bias, some of us more than one, and that those biases are very possibly costing us money in our checking, savings, investing, and retirement accounts. Listen to see if you might be impacted by a specific money bias and for strategies to get it back under control.
CNBC Article: https://www.cnbc.com/2022/01/14/98-percent-of-americans-have-at-least-1-money-bias-study.html
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
If you have kids, often they come up in the discussion when you’re talking about your retirement plans. Let’s talk about some of the ways those discussions play out, the role your advisor should play in navigating these conversations, and the overall impact on you and your family’s financial goals.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
The financial red zone is a crucial time leading up to retirement. Big mistakes are going to be harder to recover from, so you have to keep your plan protected. Let's discuss exactly what the financial red zone is and how you should navigate this important time period.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
If retirement is on your mind, then listen up to today’s show for a 5-part checklist that’ll help measure if you’re in good financial health and setting yourself up for retirement success.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
You might not be able to follow through on all 22 of these resolutions, but implement even just a few of these and you’ll be well on your way to a more prosperous financial life in the coming year.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
We open up the mailbag to answer some of our listener's questions on today's podcast. We will cover managing your risk tolerance, options for a pension, and early retirement considerations.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Certainly, none of our podcast listeners would be guilty of making unreasonable requests, but let’s talk about some of the unreasonable requests we hear from others in the financial world. We’ll explore what makes them unreasonable and what proper expectations look like instead.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
There's a variety of different tax accounts to choose from, and while some seem good in the short term, they also carry long-term consequences. Let's further examine the different types and what pros and cons that accompany them.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Confidence is always important when it comes to a financial plan, but sometimes being overconfident can also be the demise of that plan. Let's talk about what mistakes people can make when it comes to being overly confident.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Getting husbands and wives on the same page with their retirement plan can often be a challenge. Let’s talk about some of the things that couples often mess up.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
If you’ve ever ridden the subway in London, you’ve probably seen the “Mind the Gap” signs warning you to be aware of the gap between the train door and the station platform. Let’s talk today about minding the gaps in retirement planning.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
We dedicate this show to answering some mailbag questions. Today we will discuss estate taxes, planning out a retirement with a significant age gap, and robo advisors.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
It’s time to peel back the curtain a little bit to learn about your financial advisor.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Talking about finances doesn't always have to be so serious. In today's episode we use a couple of dad jokes to discuss some common misconceptions and topics that viewers may be unsure about.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Often times we focus just on the accumulation of assets as we near retirement, but decumulation is just as important when it comes to collecting those assets. Ryan goes through five things we should watch out for as we enter retirement.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
At first glance, each of these statements seem like basic common sense that everyone agrees with. But when we look at the way people actually behave with their money, it seems that common sense is actually a bit uncommon.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
If you’re of the age that your mom and dad retired 20 or 30 years ago, the world was a much different place when they walked away from their paychecks. Let’s talk about how things are different now.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Ironically, life insurance is a young man’s game. The perception among many people is that your need for life insurance dramatically decreases and perhaps becomes completely unnecessary as you age. Is that really the case? On this episode, let’s explore some ins and outs of life insurance and its various uses.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Sometimes the easiest way to learn about something is make it really simple. Like some of the first true/false tests you might have taken in school, let’s play a round of fact or fiction to test your financial planning acuity.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
If you had a million dollars, how long would it last you in retirement? How drastically does that longevity change if you move to a bigger/smaller city? We’ll take a look at some stats from various areas across the country to show how difficult it is to make your money last in some areas, and how easy it might be in others.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Let’s talk about some of the areas of your financial life where you might be flirtin’ with disaster and don’t even know it on today's show.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Are pension plans truly disappearing across the country? Let’s take a look at the status of pension plans in America and how changes in that space impact you when planning for retirement.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
You know what they typically say about making assumptions. Ryan shares many of the common assumptions people have about their financial future and how you should prepare for them before it's too late.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Business owners are particularly vulnerable to some misconceptions and false assumptions about their retirement. Let’s address a few of these issues.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
A recent survey found that nearly half of the female respondents said they defer major financial and investment decisions to their spouses. Most of the explanations amounted to just wanting to stick their heads in the sand. They want to just know they’re taken care of, but not get mired in the minutia. But we’ve heard countless stories of why this is a bad idea because one day you might become the lead decision maker. On this episode, let’s go over some tips for how women can get back in the game when it comes to involvement in the process of making financial decisions.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Ryan discusses how each revenue stream factors in the three qualities of money: growth, safety, and liquidity. We also discuss how these factors change in relation to each other as you make financial decisions.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
From smart decisions he made during his baseball career to eventually owning his own financial company, Ryan tells stories of how he gained the financial knowledge he has today as well as what listeners can do to start making smarter decisions.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
There are many more risks to guard against in retirement planning than most people realize. Let’s explore some of the planning risks we all face and how to prepare for them.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
You’ve probably never heard anyone make these statements that we’ll provide on today’s episode. And there are some great reasons why.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Want to grade your preparedness for retirement? Here are five key questions you need to ask yourself. Your answers will help determine how ready you are for retirement.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
If you look up quotes about diversification from famous investors, you might come across one from renowned investor Warren Buffet that will certainly raise your eyebrows. It goes, “Diversification is protection against ignorance. It makes little sense if you know what you are doing.” Yet, we’ve always heard about diversification being one of the keys to success for retirement planning. How can these seemingly different ideas both be right?
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
This episode is all about addressing the most frequently asked questions about 401(k)s.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
On this episode, we present you with five commandments that are worth of being written on stone tablets in your retirement plan.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Vanguard’s “How America Saves 2020” report is packed with lots of intriguing stats and findings about Americans and how they save for retirement in the crazy year that is 2020 (most of the recent data is technically from 2019 although some figures are current through the Spring of 2020). Let’s look at some of the top takeaways from the study and how you might compare to the “normal” savings behaviors of Americans.
Show Notes:
How America Saves 2020 Article: https://institutional.vanguard.com/ngiam/assets/pdf/has/how-america-saves-report-2020.pdf
Call: 470-508-0508
Website: https://blackoakam.com/
Just like your iPhone or your computer can become obsolete and need to be replaced, the way that some people think about retirement is obsolete and needs to be replaced. Let’s talk about some outdated ideas that people still cling to.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Many financial issues impact us all the same. But, of course, other challenges have varying impacts from person to person because our situations are all unique. Let’s take a look at some of the financial and retirement challenges that are unique to women.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
For some people, the idea of putting together a financial plan doesn’t sound like much fun. But the idea of building a home sounds like a lot of fun. So let’s find the similarities in building a strong financial plan and a dream home.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
It is a life event that can be one of the most difficult things to go through both emotionally and financially. When one spouse dies, the remaining spouse is left to wrestle with a mountain of questions and choices. And although it’s difficult to discuss, proper planning can help make it easier to transition through this major life event. Let’s explore what someone should do in the event of a spouse’s passing, but also some of the pre-planning that can take place.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
There are some financial planning blunders that are interesting to talk about but are quite rare in reality. On the other hand, there are some financial planning mistakes that happen far too often. Let’s talk about the mistakes so many people have made in the past it has made them “classic”.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
What can we learn about money by exploring some quotes from the great Mark Twain?
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
It seems that most people don’t have a clear picture of whether they should contribute to a traditional IRA or a Roth. Let’s discuss how to determine what’s best for you.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
If you really took inventory of your financial situation, you might find that you’ve been taking for granted some assets that make up a huge piece of your puzzle. Is it possible you should be putting a little more thought into some of these assets?
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Let’s talk about some of the common mistakes that we see being made time and time again by retirees and pre-retirees…
Show Notes:
NG3 Website: www.ng3.org
FCA Website: www.fca.org
Browns Bridge Website: brownsbridge.org
Call: 470-508-0508
Website: https://blackoakam.com/
The Coronavirus stimulus bill now makes it easier for Americans to withdraw money from their 401(k)s and other types of retirement accounts. Is this a wise choice to help ease the burden of the crisis?
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Time for an update on where we stand with the markets, the economy, and retirement planning as it relates to the Coronavirus pandemic.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
If you’ve ever done a crossword puzzle, you know how much a wrong answer can mess you up. You might think that you have the right answer for 17-across, but you just can’t figure out how the answer to 13-down starts with the letters “XC.” Well, the problem is that you have the wrong answer in 17-across, and that X should really be an S.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
How far out from retirement are you? 15 years? 10? 5? Is it on the doorstep? No matter which stage you’re in, there are some really important things you should be thinking about as you inch closer to that day you call it quits at work. On this episode, we’ll walk through these different stages to see exactly the kinds of things you should be doing from a planning perspective and how your focus changes as you get closer to the big day.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
We talk all the time about how people need to give their dollars purpose or set goals for their retirement and even specifically for certain investments. But let’s dive deeper into what different goals look like for various folks approaching retirement. How do you determine if a goal is realistic or out of reach? We’ll tackle that conversation with plenty of examples on this episode.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
The idea of a Roth conversion is intriguing to a lot of people, and for some people it can be a great strategy to enact. Let’s explore the concept…
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
A lot of financial professionals say things that just aren’t true. And it’s not that they’re intentionally trying to mislead, it’s just that they’ve been trained to use certain talking points, which they might even believe to be true themselves. Let’s talk about the statements you should be cautious of if you hear them from a financial advisor.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
It’s always good to keep yourself up to date with what’s going on in the financial world. But it’s also important to understand that the information you get from the media isn’t completely unbiased. Let’s talk about some of the problems with the financial media.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/
Welcome to The Perfect Game Retirement Podcast with former professional baseball player and now financial coach at Black Oak Asset Management, Ryan Ledden! The Perfect Game Retirement Podcast is brought to you by Black Oak Asset Management, serving the greater Atlanta area with offices in Alpharetta, Cartersville and Macon. This is the show that'll help you make the right decisions, so you can pitch a "perfect game" in retirement.
On this first episode, we'll get to know Ryan & Black Oak Asset Management a little bit better. We'll talk about what you can expect on future episodes of the podcast as well.
Show Notes:
Call: 470-508-0508
Website: https://blackoakam.com/