Perfect Game Retirement

The Lazy Way to Retire? Let’s Talk Target-Date Funds

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://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI

Financial Lessons Parents & Grandparents Can Teach A New Graduate

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

5 Ways Wishful Thinking Can Damage Your Retirement

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
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI

Market Strategy for Type A Investors: Why Doing Less Might Be Your Best Move

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

Why Your Emotions May Matter More Than Math

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

Inside the Advisor’s Office: What People Are Actually Concerned About

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

Is It Bad to Leave My 401(k) Where It Is?

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/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI

Retirement Assassins: The Silent Killers of Your Financial Future

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

What Should You Actually Do When the Market Drops?

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

Retirement Lessons From The Masters

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/
Get your tax-free retirement toolkit: https://bit.ly/3PMjKqc
Get more financial education on our YouTube Channel: https://bit.ly/45kJlwI