Perfect Game Retirement

Built a Business, But Not a Retirement Plan? Here’s What to Do Now

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/
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

Do Smart Investors Need to Work With a Financial Advisor?

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

Retirement Lessons from Andy Reid: Championship-Worthy Financial Strategies

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
 
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

Which Retirement Account Should I Withdraw From First?

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/
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 New Retirement: Why Many Are Choosing Work Over Leisure

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/
 
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

Inflation-Proof Your Retirement In 2025

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
 
Visit us online: https://blackoakam.com/
Phone: (470) 508-0508
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 Financial Mistakes to Avoid in Your 60s

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
 
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 Spending Strategy That Will Change Your Life

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.
 
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

Transform Your Money Mindset in 30 Days (2025 Method)

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.
 
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

What Financial Advisors Wish Every Investor Knew

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.
 
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