Welcome to the Black Oak Alliance

Protect Your Wealth. Reduce Taxes. Preserve Your Legacy.

Protecting your wealth, Preserving your legaWe help families, landowners, and business owners transition from accumulation to retirement with clear strategies that minimize taxes, generate income, and protect what matters most.cy, Empowering your future

You Didn’t Spend 30 Years Building Wealth…

Just to Lose It to Taxes, Risk, and Poor Planning

Most people focus on growing their money…

But as you approach retirement, the biggest threats shift:

  • Taxes become your largest expense

  • Required distributions force unwanted income

  • Market volatility matters more than ever

  • Poor planning can send your estate through probate

The strategies that built your wealth are not the ones that protect it

Retirement Isn’t About Growth Anymore—It’s About Control

At some point, every successful person faces the same transition:

Accumulation → Preservation → Distribution

If you don’t adjust:

  • You may overpay in taxes

  • You may outlive your income strategy

  • Your heirs may inherit a tax burden—not a legacy

The Black Oak Wealth Strategy™

A coordinated approach to protecting, optimizing, and transferring wealth

1. PROTECT

  • Eliminate unnecessary risk before it becomes a problem

    • Strategic insurance planning

    • Asset protection

    • Long-term care considerations

2. OPTIMIZE

  • Reduce your lifetime tax exposure

    • Roth conversion strategies

    • Tax bucket repositioning

    • Income timing strategies

3. TRANSITION

  • Turn assets into reliable, predictable income

    • Retirement income design

    • Distribution sequencing

    • Annuity and income solutions (when appropriate)

4. TRANSFER

  • Protect your legacy and your family

    • Estate and trust coordination

    • Probate avoidance strategies

    • Multi-generational planning

Where Your Money Lives Determines How It’s Taxed

Every dollar you own falls into one of three categories:

  • Tax-Deferred (IRA, 401k) → Taxed later… often at higher rates

  • Taxable (brokerage, savings) → Ongoing tax exposure

  • Tax-Free (Roth, structured strategies) → No future tax liability

The key is not how much you have…

It’s where it sits and when you access it.

Who We Serve

Pre-Retirees

You’ve built wealth—now it’s time to protect it and reduce future taxes

Retirees

Managing RMDs, reducing tax drag, and protecting your legacy

Business Owners

Prepare for exit, reduce taxes, and align personal & business wealth

How We Work With You

  1. Discover

    1. Understand your assets, goals, and concerns

  2. Diagnose

    1. Identify risks, tax exposure, and inefficiencies

  3. Design

    1. Build a coordinated strategy

  4. Implement

    1. Execute with the right financial and insurance tools

  5. Optimize

    1. Adjust as your life and markets change

--------- What we do ----------

Our Services

Alternative Investment Strategies

Diversify with strategies beyond stocks & bonds—real estate, private equity, and alternative markets.

Estate & Succession Planning

Protect your assets, reduce taxes, and create a seamless transition for the next generation

MULTI-FAMILY OFFICE

Provides comprehensive financial, investment, estate, tax, and legacy services.

EMPLOYER BENEFIT PLANNING

Design competitive benefits packages that attract talent while protecting your bottom line

Focused on You and Your Family

Our Founders

Phil Nichols

Managing Partner

Dave Evans

Managing Partner

Your Next 10 Years Financially

Will Be Determined by the Decisions You Make Today

Whether you’re 5 years from retirement or already taking distributions… Now is the time to:

Reduce Taxes, Create Income Certainty, and Protect Your Legacy

Filtsch Building, 108 S Division St, Guthrie, OK 73044, USA

Office: 108 S. Division St

Call 405-805-1054

Site: www.blackoakalliance.com