Perfect Game Retirement Ryan Ledden

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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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

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?
 
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

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.
 
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

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.
 
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 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.
 
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.
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.
 
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