Black Oak Asset Management

📈 Too aggressive?

💰 Too conservative?

⚖️ Or somewhere in between?

A big investing mistake may be taking the wrong type of risk for your stage of life.

In this episode, Ryan walks through three different life stages and explains how risk should evolve as you move from accumulation to retirement and beyond.

Because the right portfolio for a 35-year-old isn't necessarily the right portfolio for a 65-year-old.

Watch the video here: https://blackoakam.com/what-does-smart-risk-actually-look-like-at-your-age/

✈️ You spent decades saving for retirement.

So why do so many retirees feel guilty spending money on a vacation?

This video explains why travel isn't a retirement expense to feel bad about. It's one of the reasons you worked so hard in the first place.

🌴 Retirement is about using that money to build the life you've been dreaming about.

Watch it here: https://blackoakam.com/spend-on-travel-without-derailing-your-retirement/

💰 You're about to start your pension.

Do you take the larger monthly check or reduce the payment so your spouse continues receiving income if something happens to you?

It's one of the most important retirement decisions you'll ever make.

This week's video will dig into:
❤️ Survivor benefit options
📈 The truth about "investing the difference"
⏳ Longevity risk
📋 Pension pop-up provisions
🧾 Social Security planning

🎧 Watch now: https://blackoakam.com/should-you-sacrifice-pension-income-for-spousal-protection/

🤔 "Am I ready to retire in 2026?"

Three different people asked that exact question, and all three got completely different answers.

Today we'll explain why these factors impact the answer for each person:
📉 Market uncertainty
💰 Retirement income planning
🏥 Healthcare gaps
🧠 Life after work
📋 Pension decisions

Don't focus on an arbitrary number, because the right retirement date for someone else may be completely wrong for you.

🎧 Watch now: https://blackoakam.com/three-questions-from-people-thinking-about-retiring-in-2026/