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The Dead Of Night
In this episode, we uncover the grim details of the Bag Murders, the systemic failures that allowed the killer to evade justice for years.
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Perfect Game Retirement
모두 재생(하지 않음)으로 표시
Manage series 2609654
Ryan Ledden에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Ryan Ledden 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.
Welcome to Perfect Game Retirement, hosted by Ryan Ledden of Black Oak Asset Management. As a former pro ballplayer and CFP, Ryan combines his love of the game with financial expertise to guide you to a confident retirement. Securities and Advisory Services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Black Oak Asset Management and Silver Oak Securities, Inc. are not affiliated.
…
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141 에피소드
공유
모두 재생(하지 않음)으로 표시
Manage series 2609654
Ryan Ledden에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Ryan Ledden 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.
Welcome to Perfect Game Retirement, hosted by Ryan Ledden of Black Oak Asset Management. As a former pro ballplayer and CFP, Ryan combines his love of the game with financial expertise to guide you to a confident retirement. Securities and Advisory Services offered through Silver Oak Securities, Inc., Member FINRA/SIPC. Black Oak Asset Management and Silver Oak Securities, Inc. are not affiliated.
…
continue reading
141 에피소드
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1 Financial Lessons Parents & Grandparents Can Teach A New Graduate 13:13
13:13 
나중에 재생 
나중에 재생 
리스트 
좋아요 
좋아요13:13
나중에 재생 나중에 재생 리스트 좋아요 좋아요Graduation 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…
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…
1 Market Strategy for Type A Investors: Why Doing Less Might Be Your Best Move 11:41
11:41 나중에 재생 나중에 재생 리스트 좋아요 좋아요11:41
나중에 재생 나중에 재생 리스트 좋아요 좋아요Today 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…
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…
1 Inside the Advisor’s Office: What People Are Actually Concerned About 15:17
15:17 나중에 재생 나중에 재생 리스트 좋아요 좋아요15:17
나중에 재생 나중에 재생 리스트 좋아요 좋아요Ever 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…
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…
1 Retirement Assassins: The Silent Killers of Your Financial Future 14:02
14:02 나중에 재생 나중에 재생 리스트 좋아요 좋아요14:02
나중에 재생 나중에 재생 리스트 좋아요 좋아요When 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…
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…
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…
Tax season is here, but filing your 2024 return is just one piece of the puzzle. Now is also the perfect time to take advantage of new tax rules for 2025 before the year gets away from you. With higher standard deductions, increased retirement contribution limits, and updated HSA rules, there are plenty of opportunities to potentially lower your tax bill and boost your savings. In this episode, we’ll break down the key changes and how you can start planning now to make the most of them. Here’s what we discuss in this episode: 📄 New standard deduction for 2025: what you need to know 📈 401(k) limits increase 🏥 HSA: The triple tax threat 💡 Tools and tips to get ahead before 2026 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…
In this episode, Ryan unpacks a listener question that’s becoming increasingly common: What should I do about my RMDs if I’m still working at 74 and contributing to my 401(k) ? Required Minimum Distributions (RMDs), and the tax penalties for missing them, can catch even the most financially prepared retirees off guard, especially those still working into their 70s. Here’s what we discuss in this episode: 📆 Working past RMD age can delay required distributions (in some cases) 💸 IRAs and 401(k)s follow different rules, you need to know the difference 🏦 Moving IRAs into a 401(k) may buy you some extra time 🎁 QCDs may offer a tax-savvy way to satisfy your RMDs ⚠️ Missing an RMD can trigger steep penalties, so planning ahead is key 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…
1 April Fool’s: Beliefs That Fool Retirement Savers The Most 13:08
13:08 나중에 재생 나중에 재생 리스트 좋아요 좋아요13:08
나중에 재생 나중에 재생 리스트 좋아요 좋아요April Fool’s Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today, we’re unpacking five retirement myths that often trick retirees into making decisions based on fear or flawed assumptions. Here’s what we discuss in this episode: 🧠 Don’t let fear rush your Social Security decisions 💸 Tax planning is essential, not optional ⚠️ The 4% rule isn’t a one-size-fits-all solution 📉 Dividend stocks alone won’t fund your retirement 🔄 Retirement planning isn’t “set it and forget it”—adjustments are key 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…
Valentine’s season is all about love, but let’s be honest, money plays a huge role in any relationship. Whether you’ve been together for decades or just starting out, financial stress can put a strain on even the strongest partnerships. So, how do you talk about money without killing the romance? In today’s episode, looking at the questions every couple should ask about finances and retirement. Here’s what we discuss in this episode: 💰 Spenders vs. Savers – Finding common ground on financial decisions 📊 Merging Finances in Retirement – Should couples combine or keep things separate? 🏡 Estate Planning Conversations – How to talk about wills, inheritances & legacy planning 👥 Supporting Family Without Sacrificing Retirement – Setting boundaries with kids & loved ones ⚠️ Why Both Spouses Need to Be Involved in Financial Planning 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…
1 Built a Business, But Not a Retirement Plan? Here’s What to Do Now 14:23
14:23 나중에 재생 나중에 재생 리스트 좋아요 좋아요14:23
나중에 재생 나중에 재생 리스트 좋아요 좋아요You’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…
1 Do Smart Investors Need to Work With a Financial Advisor? 13:24
13:24 나중에 재생 나중에 재생 리스트 좋아요 좋아요13:24
나중에 재생 나중에 재생 리스트 좋아요 좋아요If 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…
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