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.

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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

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.

Visit us online: https://blackoakam.com/

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

In this episode, we cover topics ranging from poor expense planning to outdated beneficiary designations and family conflict triggers.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.

Visit us online: https://blackoakam.com/

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

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?

Visit us online: https://blackoakam.com/

Get in touch with the Black Oak team: https://blackoakam.com/contact-us/

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.

Visit us online: https://blackoakam.com/

Get in touch with the Black Oak team: https://blackoakam.com/contact-us/

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).

Get your Retirement Coach 360 session:

Call: 470-508-0508

Website: https://blackoakam.com/

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…

Get your Retirement Coach 360 session:

Call: 470-508-0508

Website: https://blackoakam.com/

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.

Get your Retirement Coach 360 session:

Call: 470-508-0508

Website: https://blackoakam.com/

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.

Get your Retirement Coach 360 session:

Call: 470-508-0508

Website: https://blackoakam.com/

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.

Get your Retirement Coach 360 session:

Call: 470-508-0508

Website: https://blackoakam.com/