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Posts filed under: Deep Rooted Thoughts

IRAs and qualified retirement plans like 401(k)s, 403(b)s, and 457(b)s are among the most tax-inefficient assets to leave your heirs. Distributions from IRAs and qualified retirement accounts are...
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The Senior Citizens Freedom to Work Act, passed in 2000, allowed seniors to continue working while receiving Social Security benefits.  This Act permitted Social Security benefits planning strategies that helped...
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When it comes to retirement spending, everyone wants a simple rule for how much of their savings they can safely spend every year.  For some, the goal is simply to...
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Ideally, wealth creation would proceed on a path of steady growth.  However, investment risks exist which require patience, conviction, and discipline in order for financial goals to be achieved.  While...
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Changes in longevity require changes in our expectations about retirement savings. In the early 1900s, the average life expectancy of a newborn American was about 50 years. In 1933, the...
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As most people know, Oak Wealth Advisors does not invest based on predictions.  Instead, we focus on disciplined investing which leads to greater stability and wealth creation.  We also try...
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Accountability is important. It is for this reason we have been disappointed by the media’s failure to hold their “experts” accountable for the recommendations and predictions that they issue. In...
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Everyone would prefer the investment markets to make consistent gains without any periods of negative performance.  Unfortunately, that is not the way the investment markets deliver returns. Research into investor...
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Deciding when to begin receiving Social Security benefits is a major financial issue for anyone approaching retirement. There is a tradeoff between the amount of the monthly benefit and the...
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The wisdom of Dr. Seuss is far reaching. One of his tales that is particularly relevant as we enter 2014 is The Bippolo Seed. In this story, a duck finds...
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