Channel Title: Oak Harvest Financial Group Channel Description: Plan for your retirement more effectively, through informative case studies on challenges faced by people just like you. From income, Social Security, tax strategies, and more, we give you easy and actionable tools to help you live out the retirement you envision for yourself. My name is Troy Sharpe CFP ®, and I am the founder and CEO of Oak Harvest Financial Group, a Houston-based RIA that applies our collective wisdom to deliver proven, data-driven, innovative solutions catered to each client individually. All videos are for informational and educational purposes only. None of the content, comments, responses, information, or any other item on this channel constitutes financial advice or recommendations. Public comments on videos do not reflect the views of Oak Harvest and may be deleted for vulgarity, threats, spam, scams, or harmful content. Viewers read comments at their own risk. Oak Harvest’s contact information is ONLY found on: www.oakharvestfg.com. <video> 2024 Stock Market Wrap-Up: Hits, Misses, and Insights from Oak Harvest Investment Team Description: Join Oak Harvest's investment team on December 19, 2024 at 6pm CT for an insightful livestream as we review 2024 and uncover key takeaways to help shape your retirement planning strategy. We'll break down what worked, what didn’t, and how the year's market movements impacted retirement portfolios. Expect a candid discussion about lessons learned and actionable advice to optimize your retirement plan for the future. Whether you’re nearing retirement or looking to refine your strategy, this session is packed with valuable insights you won’t want to miss. This session will also be a great precursor to our semi-annual Market Outlook Summit happening in January, discussing what our team predicts for the first half of 2025. Receive Weekly Market Updates from our Investment Team directly to your inbox: https://click2retire.com/WMU RSVP for our 1h2025 Market Outlook Summit on January 23, 2025 at 6:30pm CT: https://click2retire.com/1h-2025-mos-questions Do you have a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or Click HERE: https://click2retire.com/2024-stock-market-wrap-up This content expresses the general views of Oak Harvest Financial Group and is for educational purposes only. It should not be considered an offer or solicitation to buy or sell securities, nor is it personalized investment, tax, or legal advice. Investing involves the risk of loss and past performance is never a guarantee of future returns. The strategies discussed may not be right for you, and your personal circumstances should be considered carefully before the adoption of any investment or tax strategy. Indexes such as the S&P 500 are not available for direct investment. Client portfolios are based on individual situations, objectives, and risk, and actions and ideas discussed will not apply to all client portfolios. Hypothetical scenarios do not reflect actual results and do not guarantee future results. Terms such as “Guaranteed,” “safety,” and “principal protection” refer to insurance products and are dependent on the financial strength and claims-paying ability of the issuing insurance company. Investment Advisory services provided through Oak Harvest Investment Services, LLC. Insurance services provided through Oak Harvest Insurance Services, LLC. Oak Harvest Financial Group is not affiliated with any government agency ***** Raffle Official Rules 1. No purchase necessary to win. 2. Eligibility. The drawing is open to all natural persons who are residents of the United States who are at least 18 years old at the time of entry. Employees and their respective immediate family members (spouse, parents, siblings, and children) and household members are not eligible. You will be excluded from the drawing if winning will result in you violating the Oak Harvest gift policy. The drawing is subject to federal, state, and local laws and regulations. 3. Sponsor. The drawing is sponsored by Oak Harvest Financial Group, located at 920 Memorial City Way, Suite 150, Houston TX 77024. 4. Agreement to rules. Participation in the drawing constitutes full and unconditional agreement to and acceptance of these Official Rules and the decisions of the Sponsor, which are final and binding. Winning a prize is contingent upon being compliant with these Official Rules. The Sponsor reserves the right to refuse, withdraw, or disqualify an entry at any time at the Sponsor’s sole discretion. By entering this drawing, you represent and warrant that you are eligible to participate based on the eligibility requirements. 5. Entry period. Entries will be accepted December 19, 2024 between 6:00pm CT and 6:45pm CT. Entries submitted before or after the entry period will be disqualified. 6. How to enter. Sign up during the Oak Harvest YouTube Livestream by completing the official entry form. Limit one (1) entry per person. 7. Winner selection. Winner(s) will be selected on December 19, 2024 during the Livestream and will be randomly selected. 8. Privacy. Information collected from entrants will not be shared and is subject to the Oak Harvest Privacy Policy which can be found at www.oakharvestfg.com </video> <video> Understanding Bonds for Retirement: Basics, Market Insights, and How Brokers Get Paid Description: Are bonds the best retirement investments? Watch for a lesson on Bonds 101, from how they work to the risks and rewards of investing in them. We'll dive into the performance of corporate and government bonds over the past five years, explain the yield curve and what it means when it's inverted, and discuss whether you're being adequately compensated for the risks you're taking. I also cover the mechanics of bond pricing, spreads, and how brokers and advisors get paid, so you can ask the right questions and protect your investments. By the end, you'll have a solid understanding of the bond market, how to evaluate opportunities, and how to ensure transparency when working with financial professionals. 00:00 The Most Misunderstood Investment Tool 00:36 Bond Basics: Types, Markets, and Discounts 04:06 Bonds from a Retirement Planning Perspective 06:37 Roth IRA Advantages: Tax-Free Income and Strategic Planning 07:42 Corporate Bonds: Credit Ratings, Risks, and Returns 09:13 How Interest Rates Impact the Value of Short, Intermediate, and Long-Term Bonds 10:53 Real World Examples 14:13 Current Yield Curve 15:59 Understanding Bond Pricing: Bids, Asks, Spreads, and Hidden Commissions 18:33 Transparency in Bond Transactions: Understanding Fees, Roles, and Consumer Protections ➡️ Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/understanding-bonds ✉️ Receive retirement financial planning insights straight to your inbox monthly here: https://click2retire.com/yt-newsletter 🎥 Subscribe to our channel to keep learning here: https://click2retire.com/subscribe Disclaimer: Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency. </video> <video> Hidden Dangers in your Portfolio: Creating a Risk Management Plan for Your Retirement Description: Could you be making one of these mistakes with your retirement portfolio? Watch to learn several things you might not have realized are putting you at risk, highlighting the importance of portfolio risk management, rebalancing, and maintaining a diversified asset allocation. You'll learn strategies to navigate market cycles, manage risk-reward balance, and avoid common investment pitfalls that can derail your long-term financial planning. Whether you're a retiree or a pre-retiree, this discussion will provide actionable advice to help you align your retirement goals with effective investment strategies, while staying prepared for market volatility and hidden risks. Join me as we uncover ways to make smarter, more informed decisions to secure your financial future. 00:00 - The Importance Addressing Risks in Retirement 00:55 - Revisiting Risk Tolerance and Portfolio Congruence 02:15 - Step One of the Retirement Success Plan 03:10 - Hypothetical Portfolio Analysis (Initial Parameters) 05:15 - Risks of Market Growth Without Rebalancing 07:35 - The Importance of Rebalancing 09:10 - Risk Management in Retirement 10:20 - Integrated Retirement Planning 11:45 - Spending Strategies and Risk Willingness 12:45 - Risks of Pre-Retirement vs. Post-Retirement 13:30 - A Call to Action for Viewers to Consider Their Own Retirement Plans ➡️ Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/7-hidden-dangers ✉️ Receive retirement financial planning insights straight to your inbox monthly here: https://click2retire.com/yt-newsletter 🎥  Subscribe to our channel to keep learning here: https://click2retire.com/subscribe Disclaimer: Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency. </video> <video> 14% Gains with 60% Short Term Losses: Is Chasing Market Returns Worth the Risk in Retirement? Description: In this video, I’ll guide you through the essentials of building a well-balanced investment portfolio, focusing on the classic 60/40 split between stocks and bonds, while diving deep into understanding risk. I’ll explain why bonds are often misunderstood and show you how different types of bonds carry various risk scores. You’ll learn about the importance of aligning your portfolio's risk level with your personal comfort level to help you stay committed during market fluctuations. We’ll also discuss the psychology of investing, such as why people often sell at the worst times and how that impacts long-term success. By the end, you’ll have a clearer understanding of how to evaluate your portfolio’s risk, avoid common investing mistakes, and stay on track with your retirement goals. Here's the link to a tool where you can assess your own risk tolerance and portfolio alignment: https://pro.riskalyze.com/embed/277a40ded777a5d4f542 00:00:00 - The importance of aligning your portfolio with your risk tolerance 00:03:01 - Explanation of portfolio risk scores and how they are determined by historical data 00:05:07 - The Importance of Stress Testing Portfolios 00:08:12 - Sample portfolio with a $1 million allocation to highlight risk scores and potential outcomes 00:10:42 - Breakdown of a classic 60/40 stock-bond portfolio and the role of different investments like the S&P 500 and bonds. 00:15:03 - Bond types, risk scores, and why bonds are often misunderstood in portfolios. 00:16:13 - Analyzing potential gains or losses within a 95% probability range, with real-life scenarios like the COVID-19 downturn 00:17:02 - Portfolio Stress Testing Real Life Examples Like Covid 00:18:26 - The importance of diversifying asset types and understanding how correlation affects overall risk. 00:19:08 - How to avoid the pitfalls of fear-driven investing and the dangers of selling during market downturns. 00:21:01 - An overview of Oak Harvest’s Retirement Success Plan and how it helps clients align their portfolio risk with their comfort level. 00:21:53 - Information on how to access a self-assessment tool for evaluating your own risk tolerance and portfolio alignment. ➡️ Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/14-percent-gains-with-60-percent-losses ✉️ Receive retirement financial planning insights straight to your inbox monthly here: https://click2retire.com/yt-newsletter 🎥  Subscribe to our channel to keep learning here: https://click2retire.com/subscribe Disclaimer: Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency. </video> <video> Soft Landing or Crash? How the Fed’s Decision May Impact the Stock Market and Your Retirement Description: Join us on Thursday, September 19, 2024, at 6 PM CT for a timely livestream discussion on the Federal Reserve's upcoming interest rate decision following their September meeting. For the first time since the COVID era, the Fed may begin lowering rates, sparking questions about whether the economy is headed for a soft landing, hard landing, or even a crash. We’ll explore the implications of this pivotal moment for capital markets, the broader economy, and, most importantly, your retirement. Don't miss this critical conversation as we tackle the $64 trillion question: Can the Fed's actions steer us toward economic stability? Stick around for a live Q&A session and a chance to win in our exciting raffle! Submit your questions ahead of time here: https://click2retire.com/fed-decision-submit-questions Do you have a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or Click HERE: https://click2retire.com/fed-decision This content expresses the general views of Oak Harvest Financial Group and is for educational purposes only. It should not be considered an offer or solicitation to buy or sell securities, nor is it personalized investment, tax, or legal advice. Investing involves the risk of loss and past performance is never a guarantee of future returns. The strategies discussed may not be right for you, and your personal circumstances should be considered carefully before the adoption of any investment or tax strategy. Indexes such as the S&P 500 are not available for direct investment. Client portfolios are based on individual situations, objectives, and risk, and actions and ideas discussed will not apply to all client portfolios. Hypothetical scenarios do not reflect actual results and do not guarantee future results. Terms such as “Guaranteed,” “safety,” and “principal protection” refer to insurance products and are dependent on the financial strength and claims-paying ability of the issuing insurance company. Investment Advisory services provided through Oak Harvest Investment Services, LLC. Insurance services provided through Oak Harvest Insurance Services, LLC. Oak Harvest Financial Group is not affiliated with any government agency ***** Raffle Official Rules 1. No purchase necessary to win. 2. Eligibility. The drawing is open to all natural persons who are residents of the United States who are at least 18 years old at the time of entry. Employees and their respective immediate family members (spouse, parents, siblings, and children) and household members are not eligible. The drawing is subject to federal, state, and local laws and regulations. 3. Sponsor. The drawing is sponsored by Oak Harvest Financial Group, located at 920 Memorial City Way, Suite 150, Houston TX 77024. 4. Agreement to rules. Participation in the drawing constitutes full and unconditional agreement to and acceptance of these Official Rules and the decisions of the Sponsor, which are final and binding. Winning a prize is contingent upon being compliant with these Official Rules. The Sponsor reserves the right to refuse, withdraw, or disqualify an entry at any time at the Sponsor’s sole discretion. By entering this drawing, you represent and warrant that you are eligible to participate based on the eligibility requirements. 5. Entry period. Entries will be accepted July 25, 2024 between 6:00pm CT and 6:45pm CT. Entries submitted before or after the entry period will be disqualified. 6. How to enter. Sign up during the Oak Harvest YouTube Livestream by completing the official entry form. Limit one (1) entry per person. 7. Winner selection. Winner(s) will be selected on July 25, 2024 during the Livestream and will be randomly selected. 8. Privacy. Information collected from entrants will not be shared and is subject to the Oak Harvest Privacy Policy which can be found at www.oakharvestfg.com </video> <video> 12 Ways a Roth IRA Conversion Could Save You Thousands or More in Retirement Description: Should you convert your 401k to a Roth IRA? Join me as I give you a dozen reasons why you may want to consider it for your retirement planning. You'll learn how to potentially save on taxes, manage your required minimum distributions (RMDs), and plan for future tax rates. We'll also discuss how Roth IRA conversions can impact your Social Security taxation, Medicare premiums, and overall retirement income.  00:00 Introduction 00:30 Pay Less Taxes Over Time 03:03 Protect Against Higher Taxes in the Future 05:39 Reduce Your Future RMD Withdrawals 06:50 Avoid Medicare Premium Increases with IRMAA 08:26 Reduce Social Security Taxation 11:35 The Social Security Tax Torpedo 13:34 What is the Marginal Tax Rate? 15:09 Reduce Taxes on Dividends 16:30 Reduce Taxes on Capital Gains  17:54 Protect Yourself from New Kinds of Taxes 19:52 Avoid Potential Means Testing on Your Income 21:25 Avoid the Single-Filing Tax Trap 22:59 Leave More Money to Your Family 24:42 Have Full Control Over Your Own Plan ➡️ Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/12-reasons-roth ✉️ Receive retirement financial planning insights straight to your inbox monthly here: https://click2retire.com/yt-newsletter 🎥  Subscribe to our channel to keep learning here: https://click2retire.com/subscribe Disclaimer: Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency. </video> <video> I’m 64 with $500k Saved: Can I Retire? Description: If you’ve been trying to figure out how to retire early, you’ve probably also been wondering: When should I apply for Social Security? How does this impact my spending? Can I enjoy the lifestyle I want in retirement? Explore early retirement planning with me for a 64-year-old couple with $500,000 in assets, and find out if they can retire and how much they can spend. We'll cover important decisions like when to take Social Security and how different portfolio returns and market environments impact their retirement spending. Through a case study, we'll scrub through 1,000 simulations to assess the probability of success and emphasize the importance of staying flexible and proactive in adjusting plans. We'll also consider different investment strategies and the impact of taking Social Security earlier versus later. 00:00 Can I Retire?  01:09 Case Study Parameters including Health Insurance, Desired Spending 02:30 1,000 Trials: Can I Live Comfortably? 04:23 The Importance of Social Security Timing 05:21 Navigating Different Market Environments 06:12 Investment Returns and Portfolio Value for Median Scenario 07:53 Potential Trajectories: Will I Run Out of Money? 09:17 The Importance of Mindset and Flexibility when Retirement Planning 10:19 An Analysis of Risk vs. Reward 12:32 Individual Trails for the Most Aggressive Portfolio 13:56 The Importance of Staying Aware and Flexible 15:28 Situations When Delaying Social Security Work Better 16:22 Why We’re Leaning Towards Taking Social Security Early in This Case 17:47 Rules of Thumb That Help You in the Long Run 19:10 Creating a Sustainable Withdrawal Strategy 22:00 Conclusion and Final Thoughts on Retirement Planning ➡️ Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/64-with-500k ✉️ Receive retirement financial planning insights straight to your inbox monthly here: https://click2retire.com/yt-newsletter 🎥  Subscribe to our channel to keep learning here: https://click2retire.com/subscribe Disclaimer: Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency. </video> <video> I’m 50 with $800K Saved: Avoid the RMD Trap and Save Big on Taxes in Retirement Description: Income tax brackets are ever-changing and without retirement account diversification, you could fall into higher tax brackets…Explore the critical differences between pre-tax and Roth 401(k) contributions and how these choices impact your long-term tax burden, retirement income, and required minimum distributions (RMDs). You’ll learn how strategic tax planning can reduce taxes owed, how RMDs can trigger higher taxes on Social Security and investment income, and why Roth accounts offer more flexibility by avoiding these tax traps. Through real-world scenarios, we’ll show how early optimization can increase your retirement savings by $400,000 and what steps you can still take if you’re closer to retirement. Whether you’re just starting to save or already in your 60s, this video offers actionable insights to help you make smarter financial decisions. 00:00:00 – Intro to Pre-tax vs. Roth 401(k) contributions. 00:03:05 – Importance of Tax Diversification to reduce future tax burdens and increase retirement income stability 00:07:18 – Required Minimum Distributions (RMDs) Overview, when they begin, and their potential impact on your tax situation. 00:10:02 – Tax Risks of Large RMDs - can trigger higher taxes on Social Security, capital gains, and other income. 00:15:26 – Scenario 1: Pre-tax 401(k) Contributions 00:17:10 – Impact of RMDs on Social Security Taxation 00:18:59 – Scenario 2: Roth 401(k) Contributions 00:21:17 – How Roth distributions avoid increasing Social Security and Medicare taxes 00:22:02 – Balancing tax decisions today vs. future outcomes, and how the right strategy can optimize retirement savings. ➡️ Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/50-with-800k-rmd-trap #requiredminimumdistribution #taxsavingtips #retirementplanning ✉️ Receive retirement financial planning insights straight to your inbox monthly here: https://click2retire.com/yt-newsletter 🎥  Subscribe to our channel to keep learning here: https://click2retire.com/subscribe Disclaimer: Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency. </video> <video> Live Retirement Planning Session: I'm 65 with $1.4M in IRAs Description: Join us on October 24th, 2024 at 6pm CST for an exciting upcoming livestream where Troy Sharpe, CFP® and 2 Lead Advisors talk through a retirement planning session based on a case study of a couple with $1.4M in IRAs. In an interactive format, we'll discuss various strategies to minimize taxes and potentially create tax-free income. We’ll cover essential considerations, such as: - Anticipating future tax rates - Increasing inheritance for children or grandchildren - Building tax diversification for your retirement income - Preparing for Required Minimum Distributions (RMDs) and their impact on taxes - Rising Medicare costs and how RMDs may affect income thresholds Don’t miss your chance to learn how to make informed decisions that can have a lasting impact on your financial future. We’ll also do a live Q&A and raffle off gift cards to your favorite restaurant for two lucky winners! Submit your questions ahead of time here: https://click2retire.com/1-4-IRA-Questions Meet our guests: ✔️ Janice Whitten, CFP®, CDFA®, Lead Advisor: Janice Whitten brings over 25 years of financial services experience to Oak Harvest. She has a passion to help clients secure their financial future by designing and implementing customized holistic retirement plans with targeted strategies. Janice is a Certified Financial Planner™ Professional (CFP®), as well as a Certified Divorce Financial Analyst® Professional (CDFA®). ✔️ Eric Nguyen CFP®, Lead Advisor Eric joins Oak Harvest with years of experience in the private wealth management space. He got his start in financial planning by building his own practice in working with high-net-worth families, individuals and non-profits in achieving their financial goals. Do you have a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or Click HERE: https://click2retire.com/1-4-m-in-iras This content expresses the general views of Oak Harvest Financial Group and is for educational purposes only. It should not be considered an offer or solicitation to buy or sell securities, nor is it personalized investment, tax, or legal advice. Investing involves the risk of loss and past performance is never a guarantee of future returns. The strategies discussed may not be right for you, and your personal circumstances should be considered carefully before the adoption of any investment or tax strategy. Indexes such as the S&P 500 are not available for direct investment. Client portfolios are based on individual situations, objectives, and risk, and actions and ideas discussed will not apply to all client portfolios. Hypothetical scenarios do not reflect actual results and do not guarantee future results. Terms such as “Guaranteed,” “safety,” and “principal protection” refer to insurance products and are dependent on the financial strength and claims-paying ability of the issuing insurance company. Investment Advisory services provided through Oak Harvest Investment Services, LLC. Insurance services provided through Oak Harvest Insurance Services, LLC. Oak Harvest Financial Group is not affiliated with any government agency ***** Raffle Official Rules 1. No purchase necessary to win. 2. Eligibility. The drawing is open to all natural persons who are residents of the United States who are at least 18 years old at the time of entry. Employees and their respective immediate family members (spouse, parents, siblings, and children) and household members are not eligible. The drawing is subject to federal, state, and local laws and regulations. 3. Sponsor. The drawing is sponsored by Oak Harvest Financial Group, located at 920 Memorial City Way, Suite 150, Houston TX 77024. 4. Agreement to rules. Participation in the drawing constitutes full and unconditional agreement to and acceptance of these Official Rules and the decisions of the Sponsor, which are final and binding. Winning a prize is contingent upon being compliant with these Official Rules. The Sponsor reserves the right to refuse, withdraw, or disqualify an entry at any time at the Sponsor’s sole discretion. By entering this drawing, you represent and warrant that you are eligible to participate based on the eligibility requirements. 5. Entry period. Entries will be accepted October 24, 2024 between 6:00pm CT and 6:45pm CT. Entries submitted before or after the entry period will be disqualified. 6. How to enter. Sign up during the Oak Harvest YouTube Livestream by completing the official entry form. Limit one (1) entry per person. 7. Winner selection. Winner(s) will be selected on October 24, 2024 during the Livestream and will be randomly selected. 8. Privacy. Information collected from entrants will not be shared and is subject to the Oak Harvest Privacy Policy which can be found at www.oakharvestfg.com </video> <video> Post-Election Market Insights: How Could the Election Results Impact Your Retirement Portfolio? Description: Join Oak Harvest Financial Group for an exclusive livestream as we dive into the post-election market outlook and what it could mean for your retirement portfolio. Our Investment Team will analyze potential shifts in economic policy, tax implications, and investment landscapes that could impact markets—and ultimately, your financial future. Learn key strategies to work towards safeguarding your retirement portfolio, navigating uncertainty, and positioning yourself for success in the changing financial climate. Tune in live to ask questions and gain insights tailored to your financial goals. Submit your questions ahead of time here: https://click2retire.com/post-election-questions Meet our guests: ✔️ Charles Perras, CFA®, CLU®, ChFC®, Chief Investment Officer: Chris has over 25 years of experience, has worked for some of the largest money management firms in the world, including Citadel and Invesco, and has been recognized nationally for his efforts. Chris has made it a point in his career to focus on adapting as the market landscape changes, seeking to utilize the most appropriate investment strategy for any given market environment. His transition from managing billions of dollars at the institutional level to helping individuals and families retire is guided by a desire to see the difference he makes in the lives of clients at Oak Harvest. ✔️ Charles Scavone CFP®, CFA®, Director of Investments Charles has over 30 years of experience in the investment management industry across multiple asset classes, serving various investor bases. He has worked for some of the largest money management firms in the world, including Invesco, Van Kampen and JP Morgan Chase. Charles is excited to bring a process-driven approach to investing to our clients at Oak Harvest. This content expresses the general views of Oak Harvest Financial Group and is for educational purposes only. It should not be considered an offer or solicitation to buy or sell securities, nor is it personalized investment, tax, or legal advice. Investing involves the risk of loss and past performance is never a guarantee of future returns. The strategies discussed may not be right for you, and your personal circumstances should be considered carefully before the adoption of any investment or tax strategy. Indexes such as the S&P 500 are not available for direct investment. Client portfolios are based on individual situations, objectives, and risk, and actions and ideas discussed will not apply to all client portfolios. Hypothetical scenarios do not reflect actual results and do not guarantee future results. Terms such as “Guaranteed,” “safety,” and “principal protection” refer to insurance products and are dependent on the financial strength and claims-paying ability of the issuing insurance company. Investment Advisory services provided through Oak Harvest Investment Services, LLC. Insurance services provided through Oak Harvest Insurance Services, LLC. Oak Harvest Financial Group is not affiliated with any government agency ***** Raffle Official Rules 1. No purchase necessary to win. 2. Eligibility. The drawing is open to all natural persons who are residents of the United States who are at least 18 years old at the time of entry. Employees and their respective immediate family members (spouse, parents, siblings, and children) and household members are not eligible. The drawing is subject to federal, state, and local laws and regulations. 3. Sponsor. The drawing is sponsored by Oak Harvest Financial Group, located at 920 Memorial City Way, Suite 150, Houston TX 77024. 4. Agreement to rules. Participation in the drawing constitutes full and unconditional agreement to and acceptance of these Official Rules and the decisions of the Sponsor, which are final and binding. Winning a prize is contingent upon being compliant with these Official Rules. The Sponsor reserves the right to refuse, withdraw, or disqualify an entry at any time at the Sponsor’s sole discretion. By entering this drawing, you represent and warrant that you are eligible to participate based on the eligibility requirements. 5. Entry period. Entries will be accepted November 21, 2024 between 6:00pm CT and 6:45pm CT. Entries submitted before or after the entry period will be disqualified. 6. How to enter. Sign up during the Oak Harvest YouTube Livestream by completing the official entry form. Limit one (1) entry per person. 7. Winner selection. Winner(s) will be selected on November 21, 2024 during the Livestream and will be randomly selected. 8. Privacy. Information collected from entrants will not be shared and is subject to the Oak Harvest Privacy Policy which can be found at www.oakharvestfg.com </video> <video> Social Security Fairness Act Explained: What It Means for Your Retirement Description: The Social Security Fairness Act was just announced at the beginning of 2025, and today I’m sharing its impact on retirees, whether you're directly affected by the repeal of the Government Pension Offset (GPO) or the Windfall Elimination Provision (WEP) or not. I discuss how these changes could result in higher benefits for millions, how they impact the Social Security Trust Fund, and what that means for the system's sustainability. You’ll learn the financial planning implications of these updates, including considerations around when to claim Social Security, how it affects required minimum distributions (RMDs), tax strategies, and potential future means testing. By the end, you'll have a better understanding of how these changes could influence your retirement planning and what steps you might take to optimize your financial future. 00:00 Introduction to the Social Security Fairness Act 00:30 Explaining the Government Pension Offset (GPO) 01:27 Real-Life Example of GPO Impact 02:06 Introduction to the Windfall Elimination Provision (WEP) 03:40 Impact on the Social Security Trust Fund 05:08 Undercounting the Beneficiaries 06:36 How the Repeal Affects Retirement Income 08:01 Long-Term Consequences for Social Security 09:15 Potential Solutions: Means Testing 10:26 Financial Planning Considerations 12:25 Holistic Impact on Retirement Planning ➡️ Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/social-security-fairness-act ✉️ Receive retirement financial planning insights straight to your inbox monthly here: https://click2retire.com/yt-newsletter 🎥  Subscribe to our channel to keep learning here: https://click2retire.com/subscribe Disclaimer: Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency. </video> <video> Save on Retirement Taxes: Updates to RMD Rules on Inherited IRAs Description: Today, I break down the crucial details you need to know about Required Minimum Distributions (RMDs) on inherited IRAs, especially in light of recent changes from the SECURE Act 2.0. I’ll guide you through the key rules that beneficiaries must follow, the potential tax implications, and important deadlines to avoid penalties. Whether you’re navigating an inherited IRA for the first time or need a refresher on RMD compliance, this video provides the essential information to help you make informed decisions and avoid costly mistakes. 00:00 Understanding the New Rules for Inherited IRAs 00:54 The Elimination of the Stretch IRA Concept 02:52 Inheriting Retirement Accounts: What You Need to Know 04:53 Basics of RMDs and How to Calculate Yours 06:22 Using The IRS Single Life Expectancy Table for Those Who Inherit 08:47 Eligible Designated Beneficiaries: Special Considerations 12:02 Term to Know: ALAR: “At Least As Rapidly” 14:09 Big-Picture Implications of the SECURE Act 16:56 Scenario Example When the Trump Tax Cuts Will Expire 20:30 Roth Conversions: A Strategic Tax Planning Tool 22:03 Planning for the Future: Conversations with Your Children ➡️ Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/inherited-ira-rmd ✉️ Receive retirement financial planning insights straight to your inbox monthly here: https://click2retire.com/yt-newsletter 🎥  Subscribe to our channel to keep learning here: https://click2retire.com/subscribe Disclaimer: Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency. </video> <video> Protect Your Retirement Legacy: Understanding IRA Inheritance, RMD Rules, & Trust Basics Livestream Description: Join us on Thursday, August 29th at 6pm CT for a comprehensive YouTube livestream with our retirement planning team on the crucial considerations and updates you'll need to know when working through your retirement estate planning checklist. We'll cover: The latest on the new RMD rule and how it impacts your retirement withdrawals. Tax strategies for inheriting an IRA, including Roth conversion options. Simplifying the management of multiple retirement accounts. Trust basics and deciding which assets should be inside or outside your estate. Adapting to expiring Trump tax cuts and their effect on your retirement plan. The role of life insurance in providing both living and death benefits. Stick around for a live Q&A session and a chance to win in our exciting raffle! Submit your questions ahead of time here: https://click2retire.com/aug-livestream-questions Meet our guests: ✔️ Ed Rossi CFP®, CTS™, CPWA®, AAMS®, CRPC®, NSSA®, CES™, CMFC®, Lead Advisor: With over 30 years of experience in financial services, Ed is dedicated to helping clients achieve their financial goals at Oak Harvest through a holistic approach to financial planning. A native Houstonian, Ed earned his B.B.A. in Finance from the University of Houston in 1992 and began working as an advisor even before his graduation. ✔️ Nicole M Riney CFP®, Senior Planner: With over 10 years of experience in government pensions and retirement planning, Nicole believes that you can never have too much knowledge on how to retire successfully. She earned her bachelor’s degree in Communications from Weber State University in Ogden, Utah. Do you have a retirement plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or Click HERE: https://click2retire.com/august-livestream-contact This content expresses the general views of Oak Harvest Financial Group and is for educational purposes only. It should not be considered an offer or solicitation to buy or sell securities, nor is it personalized investment, tax, or legal advice. Investing involves the risk of loss and past performance is never a guarantee of future returns. The strategies discussed may not be right for you, and your personal circumstances should be considered carefully before the adoption of any investment or tax strategy. Indexes such as the S&P 500 are not available for direct investment. Client portfolios are based on individual situations, objectives, and risk, and actions and ideas discussed will not apply to all client portfolios. Hypothetical scenarios do not reflect actual results and do not guarantee future results. Terms such as “Guaranteed,” “safety,” and “principal protection” refer to insurance products and are dependent on the financial strength and claims-paying ability of the issuing insurance company. Investment Advisory services provided through Oak Harvest Investment Services, LLC. Insurance services provided through Oak Harvest Insurance Services, LLC. Oak Harvest Financial Group is not affiliated with any government agency ***** Raffle Official Rules 1. No purchase necessary to win. 2. Eligibility. The drawing is open to all natural persons who are residents of the United States who are at least 18 years old at the time of entry. Employees and their respective immediate family members (spouse, parents, siblings, and children) and household members are not eligible. The drawing is subject to federal, state, and local laws and regulations. 3. Sponsor. The drawing is sponsored by Oak Harvest Financial Group, located at 920 Memorial City Way, Suite 150, Houston TX 77024. 4. Agreement to rules. Participation in the drawing constitutes full and unconditional agreement to and acceptance of these Official Rules and the decisions of the Sponsor, which are final and binding. Winning a prize is contingent upon being compliant with these Official Rules. The Sponsor reserves the right to refuse, withdraw, or disqualify an entry at any time at the Sponsor’s sole discretion. By entering this drawing, you represent and warrant that you are eligible to participate based on the eligibility requirements. 5. Entry period. Entries will be accepted July 25, 2024 between 6:00pm CT and 6:45pm CT. Entries submitted before or after the entry period will be disqualified. 6. How to enter. Sign up during the Oak Harvest YouTube Livestream by completing the official entry form. Limit one (1) entry per person. 7. Winner selection. Winner(s) will be selected on July 25, 2024 during the Livestream and will be randomly selected. 8. Privacy. Information collected from entrants will not be shared and is subject to the Oak Harvest Privacy Policy which can be found at www.oakharvestfg.com </video> <video> Oak Harvest's 1st Half 2025 Market Outlook Summit Description: Join us on January 23, 2025 at 6:30pm CT for an engaging livestream as Oak Harvest's Investment Team delivers market insights during our 1st Half 2025 Market Outlook Summit. Gain a deeper understanding of potential future market trends as it relates to your retirement and participate in a live Q&A with our panel. What to Expect: - Key takeaways from market activity in 2024 and their implications for 2025. - Projections for major economic indicators and market trends in the first half of 2025. - Insights into potential opportunities and risks for investors in the current economic landscape. - Strategies to navigate shifting market dynamics with confidence. - A live Q&A session with the Oak Harvest investment team to address your pressing market questions. Mark your calendars and submit your questions ahead of time here: https://click2retire.com/1h-2025-mos-questions Fully in-house and dedicated to our clients, the investment team focuses on helping families and individuals have a better investment experience and achieve their investment objectives. The team's expertise includes portfolio management, investment research, multi-asset portfolio construction, investment technology, financial planning, and trading. Meet our Oak Harvest Investment Team: https://click2retire.com/1h2025-investment-team Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a Retirement Success Plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/1h2025-market-outlook-summit This content expresses the general views of Oak Harvest Financial Group and is for educational purposes only. It should not be considered an offer or solicitation to buy or sell securities, nor is it personalized investment, tax, or legal advice. Investing involves the risk of loss and past performance is never a guarantee of future returns. The strategies discussed may not be right for you, and your personal circumstances should be considered carefully before the adoption of any investment or tax strategy. Indexes such as the S&P 500 are not available for direct investment. Client portfolios are based on individual situations, objectives, and risk, and actions and ideas discussed will not apply to all client portfolios. Hypothetical scenarios do not reflect actual results and do not guarantee future results. Terms such as “Guaranteed,” “safety,” and “principal protection” refer to insurance products and are dependent on the financial strength and claims-paying ability of the issuing insurance company. Investment Advisory services provided through Oak Harvest Investment Services, LLC. Insurance services provided through Oak Harvest Insurance Services, LLC. Oak Harvest Financial Group is not affiliated with any government agency ***** </video> <video> I’m 50 with $800K, Can I Retire at 60? How Social Security, Inflation and Taxes Impact Your Savings Description: In this video, I’ll walk you through how to plan for retirement if you're in your 50s with $800,000 saved, aiming to retire at 60. You’ll learn about different spending strategies for early retirement, including how to handle the "go-go" years and adjust for inflation over time. I’ll also cover the benefits of a Roth 401(k) and tax-efficient strategies to maximize your retirement income. We'll dive into the impact of Social Security timing, the importance of managing investment risk, and how sequence of returns risk can affect your savings. By the end, you'll have a clear idea of how to build a flexible retirement plan that accounts for market changes, taxes, and inflation. 00:00 50 Years Old With $800k Saved For Retirement 00:47 Understanding the Impact of Inflation on Retirement Savings 02:35 Exploring Social Security Timing Options 03:57 How to Balance Risk and Return in Your Investment Portfolio 05:48 Analyzing the 80/20 Portfolio Investment Option 07:04 Flexible Planning in The Go-Go Spending Phase of the Retirement Lifecycle 08:08 Recommended Scenario for a Higher Probably of Success 09:30 Breakdown of Potential Future Return Rates in This Scenario 13:07 Examining Different Trial Runs to See Potential Outcomes 15:36 Looking at End of Life Future Dollar Potential Outcomes 16:15 Roth Conversions and The Role of Diversification in Your Tax Buckets 18:39 If You Are Putting Money into The Roth Part of Your 401k, Look Into This 19:53 Conservative vs. Aggressive Probabilities of Success 23:07 Impacts of Taking Social Security Early to Add into Your Portfolio 25:07 Different Spending Options 27:09 Part Two Taking a Deeper Dive into Taxes #retirementplanning #incomeplanning #inflation ➡️ Do you need a Retirement Success Plan that goes beyond allocating funds to truly fit your needs? We can help you create a retirement life plan customized for your retirement vision and legacy. Call us at (877) 404-0177 or fill out this form for a free consultation: https://click2retire.com/can-i-retire-at-60 ✉️ Receive retirement financial planning insights straight to your inbox monthly here: https://click2retire.com/yt-newsletter 🎥  Subscribe to our channel to keep learning here: https://click2retire.com/subscribe Disclaimer: Hypothetical outcomes do not reflect actual results and are not guarantees of future results. Any index references herein are unmanaged and cannot be directly invested into. Past performance is no indication of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing or tax savings strategy will be successful. Advisory services are provided through Oak Harvest Investment Services, LLC, a registered investment adviser. Insurance services are provided through Oak Harvest Insurance Services, LLC, a licensed insurance agency. </video>

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Plan for your retirement more effectively, through informative case studies on challenges faced by people just like you.

From income, Social Security, tax strategies, and more, we give you easy and actionable tools to help you live out the retirement you envision for yourself.

My name is Troy Sharpe CFP ®, and I am the founder and CEO of Oak Harvest Financial Group, a Houston-based RIA that applies our collective wisdom to deliver proven, data-driven, innovative solutions catered to each client individually.

All videos are for informational and educational purposes only. None of the content, comments, responses, information, or any other item on this channel constitutes financial advice or recommendations.

Public comments on videos do not reflect the views of Oak Harvest and may be deleted for vulgarity, threats, spam, scams, or harmful content. Viewers read comments at their own risk. Oak Harvest’s contact information is ONLY found on: www.oakharvestfg.com.

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