Welcome to the Black Oak Alliance

Help protect your wealth. Help reduce tax drag where the law allows. Help preserve what you have built.

Protecting your wealth. Preserving your legacy. We help families, landowners, and business owners think through the move from accumulation to retirement with clear strategies meant to help reduce tax drag where the law allows, help generate a retirement income plan, and help protect what matters most. Educational information only — not a promise of results. 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 often shift:

Taxes can often become your largest expense

Required distributions can force unwanted income

Market volatility matters more than ever

Poor planning can send an estate through probate (estate education only — outcomes are not certain, and we do not provide legal advice)

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

  • Identify and reduce risks that do not belong in this stage of the plan.

  • Strategic insurance planning

  • Asset protection (education and coordination; not legal advice)

  • Long-term care considerations

2. OPTIMIZE

  • Help reduce lifetime tax exposure where the law allows.

  • Roth conversion strategies (education; suitability and tax results vary)

  • Tax bucket repositioning

  • Income timing strategies

3. TRANSITION

  • Design income that is meant to last, using tools that may include insurance products when they fit. Guarantees, if any, depend on the issuing company's claims-paying ability.

  • Retirement income design

  • Distribution sequencing

  • Annuity and income solutions (when appropriate). Annuities are insurance products. Guarantees, if any, depend on the issuing company's claims-paying ability.

4. TRANSFER

  • Help protect your legacy and your family through education and coordination with your attorney.

  • Estate and trust coordination (we do not draft legal documents or give legal advice)

  • Probate education (not a promise of probate avoidance or a seamless transfer)

  • Multi-generational planning conversations

Where Your Money Lives Determines How It’s Taxed

Every dollar you own typically falls into one of three categories:

Accounts that may be tax-free if rules are met Some accounts, such as Roth IRAs, may allow tax-free qualified withdrawals if IRS rules are met. Other designs are tax-deferred or taxable. Nothing is automatically tax-free.

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 and bonds—such as real estate, private equity, and other alternative markets, when suitable. Alternative investments can be illiquid, are not suitable for everyone, are not FDIC insured, and can lose principal.

Estate & Succession Planning

Education on asset protection, tax considerations, and transfer planning for the next generation. We coordinate with your attorney. We do not provide legal or tax advice, and we do not promise a seamless or certain probate outcome.

MULTI-FAMILY OFFICE

We coordinate financial and insurance planning and work with your attorney and CPA. We do not provide legal or tax advice.

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 youre 5 years from retirement or already taking distributions... Now is the time to:

Help reduce tax drag where the law allows, build a retirement income plan, and protect what you have built.

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

Office: 108 S. Division St., Guthrie, OK 73044

Call 405-805-1054

Site: www.blackoakalliance.com

Copyright 2026 . All rights reserved

Black Oak Alliance and its advisors do not provide legal or tax advice. Legal documents are prepared and reviewed by licensed attorneys. Clients should consult their attorney, CPA, or tax advisor regarding their specific situation.