Oak Road

Insights

Financial advisor calculating RMD withdrawal strategy with calculator and cash

What Is the Best Thing to Do With RMD Money?

See the 3 smart RMD strategies — spend it, reinvest it, or gift it via QCD — from a fee-only fiduciary advisor.

Stressed retiree with head in hands at desk, frustrated by RMD tax impact

Why Are RMDs Considered Bad?

RMDs force taxable income, higher tax brackets, and rising Medicare premiums, whether you need the money or not. Here's how to soften the hit.

Wooden blocks spelling RMD, representing required minimum distribution rules and the biggest RMD mistake retirees make

What Is the Biggest RMD Mistake?

The biggest RMD mistake isn't what most people think — and it can trigger IRS penalties or push you into a higher tax bracket. Here's how to avoid it.

A paper titled 'RMD — Required Minimum Distributions' resting on financial statements, with reading glasses and a pen — representing retirement account withdrawal rules.

Required Minimum Distributions: How They Work, How They're Taxed, and How to Lower Them

Required Minimum Distributions can push you into a higher tax bracket — and raise your Medicare premiums — without warning. Here's how RMDs work, how they're taxed, and the strategies Oak Road Wealth Management uses to lower them.

Senior man working on a laptop at home, representing someone who continues working full time while collecting Social Security at age 70.

Can I Collect Social Security at 70 and Still Work Full Time?

Yes — and your benefit won't shrink. Oak Road Wealth Management explains why age 70 is the magic number, plus the real (non-math) reason so many retirees keep working.

Yellow 'Retirement Ahead' road sign in a rural field, symbolizing the decision of when to claim Social Security at 62, 67, or 70

Is It Better to Take Social Security at 62 or 67 or 70?

Is it better to take Social Security at 62 or 67 or 70? The honest answer: it depends. See the real trade-offs, break-even math, and how delaying can fit a Roth conversion strategy.

What Will Be the Social Security Increase in 2026?

What will be the Social Security increase in 2026? It's 2.8%. See the exact dollar impact, how COLA fights inflation, and why retirees still need stocks.

Roth IRA and 401(k) retirement account paperwork with a calculator and question mark note, representing the question: how can I avoid paying taxes on my retirement account

How Can I Avoid Paying Taxes on My Retirement Account?

Trying to avoid taxes on your retirement account? Learn why the real goal is lower lifetime taxes — through Roth conversions, QCDs, and smart capital gains planning.

A ceramic jar labeled "Retirement Fund" surrounded by coins, dollar bills, and dice — illustrating the uncertainty and planning involved in retirement savings.

How Much Do I Need to Retire?

Wondering how much you need to retire? The real answer depends on what you plan to spend — not a magic number. Here's how to think about it clearly.