Michael Oana Retirement Planning Specialist

In accordance with the FINRA holiday schedule, our office will be closed Monday, September 7, 2026 in observance of Labor Day.

Michael Oana and Team wish you and your family a safe and happy Labor Day.

2026 Required Minimum Distribution (RMD) Reminder ✨

As we move through 2026, we would like to remind you that if you are subject to a Required Minimum Distribution (RMD), now is an excellent time to review your retirement accounts and ensure your distribution strategy is on track before year-end.

Taking action early can help avoid last-minute complications and ensure compliance with IRS requirements. Our team is here to help you understand your RMD obligations, discuss withholding considerations, coordinate distributions, and answer any questions regarding your retirement income plan.

Please contact Jennifer Heffron, Client Concierge and our RMD Coordinator, to schedule a phone call or meeting at your convenience.

Call or Text: 803-790-8989
Email: [email protected]

Whether you prefer a quick phone conversation, a virtual meeting, or an in-person review, Jennifer can help make the process simple and stress-free.

As part of your RMD planning, Jennifer will discuss your federal and state tax withholding preferences and whether you would like to direct a portion of your RMD to a qualified charitable organization through a Qualified Charitable Distribution (QCD), if eligible.

Please do not hesitate to reach out to Jennifer by phone, text, or email to schedule your RMD review today. While the RMD deadline is generally December 31, we encourage clients to complete their distributions well before year-end.

Jennifer's goal is to have most RMDs finalized by December 1, helping clients avoid the holiday rush and allowing plenty of time to address any unexpected issues.

Finally, please keep us in mind if you have a neighbor, friend, family member, or colleague who needs assistance with their RMD. We would be honored to help them navigate the process and make informed retirement decisions.

RMD Disclosure: If you have already taken your Required Minimum Distribution (RMD) for the year, or if an RMD does not apply to you, please disregard this information.

Helping More People Prepare for a Confident Retirement 🌟

We’re excited to share that our team at Michael Oana Retirement Planning Specialist is currently welcoming new clients, with a few openings available on our calendar—including Saturday appointments.

Do you know someone who may be preparing for retirement, relocating, or navigating a career change? We’d be grateful if you shared our information with a friend, family member, colleague, or someone in your network who could benefit from retirement planning guidance.

📞 Call or text: 803-790-8989
📧 Email: [email protected]

Thank you for your continued trust, support, and referrals. We’re honored to help more individuals and families take steps toward a confident retirement.

8-21 8-21 8-21 Some dates change your life....

On August 21 ( 8-21 ), 1997 at 8:21 pm , I met Heather Bragan ...

On August 21 ( 8-21 ), 1998 at 8:21 pm , she accepted my wedding proposal ...

On August 21 ( 8-21 ), 1999 at 8:21 pm, we got married and had our first married dance ...

Three chapters of our story. One unforgettable date and time ...

Today, as we celebrate together at The Greenbrier, I'm reminded that the greatest blessings in life aren't found in places or possessions. They're found in the people who walk beside us

through every season. Heather, thank you for nearly three decades of love, laughter, faith, friendship, and memories. You've been my greatest adventure, my best friend, and God's most

precious gift in my life. At 8-21 at 8:21, I'll pause and thank God for a simple hello that became a lifetime of love. And if I had to do it all over again, I would pick you every single time. 100%

in writing. MO

We’re excited to share a highlight from last week! 🎉

Michael Oana and Zack Frueauf recently attended Cetera Financial Group’s Connect to Peers conference in Salt Lake City.

Michael had the honor of presenting at the event and sharing his new book, The Financial Advisor’s Guide to Building Trust, with fellow financial professionals. 📖👏

The conference was packed with fresh ideas, meaningful connections, and finding new ways to bring even more value to our clients.

📚 Want to check out Michael’s new book? It's available now on Amazon!

We’re grateful for your continued trust and support. We can’t wait to put these new insights, connections, and ideas to work for you! 🙌

Just back from an incredible Connect to Peers experience in Utah! ⛰️

It was a fantastic few days filled with great conversations, valuable insights, new connections, and plenty of fun. I especially enjoyed the opportunity to connect with so many advisors and share ideas that we can take back to our businesses and clients.

A big thank you to everyone who made the event so memorable. I’m grateful for the relationships, the learning, and the opportunities that came from simply getting together.

Already looking forward to the next one! 🙌

We’re excited to share that this past week, MO and ZF had the opportunity to attend the Connect to Peers conference hosted by Cetera Financial Group in Salt Lake City, Utah.

MO was also honored to present during the event, making it an especially rewarding experience. The conference brought together financial professionals from across the country to exchange ideas, share successful strategies, and learn from one another.

Opportunities like these allow us to stay current on industry best practices, emerging trends, and innovative approaches so we can continue providing the highest level of service and guidance to our clients.

Thank you for your continued trust and confidence in our team. We look forward to putting these new insights and connections to work for your benefit and helping you achieve your financial goals.

We’re excited to share highlights from Michael’s recent trip to New York City, where he promoted his new book and participated in a speaking engagement with Asset TV.

The visit was a wonderful opportunity to discuss the key ideas from the book. We’re grateful for the engaging conversations and warm reception throughout the trip.

If you missed the conversation with Asset TV, you can watch the full interview here:

Watch the interview: https://www.assettv.com/player/default-player/de996398-aec1-4f10-9a83-a1466ea53265

Thank you for your continued partnership and support. We look forward to sharing more updates and insights with you in the future.

Welcome, Owen! 👶

We're thrilled to share some wonderful news!

Our coworker, Amanda Diamond (AD), Client Concierge, welcomed her beautiful baby boy, Owen Thomas Diamond, on July 20, 2026, at 4:34 a.m.

Owen arrived weighing 7 lbs. 8 oz. and measuring 19.5 inches long.

Mom, baby, and family are doing well and soaking up this very special time together. (And yes—the middle name changed at the last minute! Owen Thomas won out over Graham. 😊)

Please join us in congratulating Amanda and her family on their newest addition! We wish them all the happiness as they enjoy these precious first moments together.

Thank you for your continued support while Amanda is away on leave. We look forward to welcoming her back when the time is right.

Congratulations, Amanda & Family! 💙

🎉 Please join us in welcoming the newest member of our team, Ana "AL" Lavado, our Registered Client Concierge!

Ana brings a unique blend of hospitality and financial services experience to our firm. Originally from Las Vegas, Nevada, she began her career in hospitality before transitioning into the financial industry, where she earned her Chartered Retirement Planning Counselor (CRPC®) designation. Her passion for serving others and helping clients navigate their financial journey makes her a wonderful addition to our team.

When she's not at work, Ana enjoys spending time with her husband and their German Shepherd, horseback riding, hiking, traveling, and volunteering at local animal shelters.

We're excited for you to get to know AL and look forward to the exceptional care she'll provide to our clients.

Thank you for your continued trust and confidence in our team. If you have any questions, we're always here to help—call or text us at 803-790-8989.