📅 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/

📦 Grab your FREE Tax-Free Retirement Toolkit: https://toolkit.blackoakam.com/podcast-toolkit.html

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

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