Oak Road Wealth Management

Oak Road Wealth Management We help our clients prepare for a confident retirement! Oak Road Wealth Management is a Fee-only registered investment advisory firm.

We pledge to act as a fiduciary and not accept fees or commissions based on the sale of investment products or service providers. This drastically reduces the inherent conflicts of interest and allows us to always act in the best interest of our clients. EMPLOYERS

We help companies prepare their employees for retirement by acting as the financial advisor on their retirement plan. We create a micr

o-website for each of our retirement plan clients that gives employees easy access to their financial advisor and other tools. Employees can access their account, schedule an appointment with their financial advisor and view recent video content. We help you understand the sometimes complex and non-transparent structure of your retirement plan. We can help your leadership team understand and manage their fiduciary responsibilities. In many cases, we can help you make changes that will simplify the plan and may result in significant cost savings to the company and your employees. FAMILIES

We help families gain confidence in their ability to achieve their retirement goals. We provide financial planning and investment management services. We work with you to help identify the resources you have accumulated for retirement, consider your current savings rate and help you identify your retirement goals. We create a financial plan for you that gives you a sense of your probability of success for meeting all of your goals. If your probability of success is not as high as you'd like, we work with you to help you make the necessary changes to get you there! Together, we will review your plan regularly to make sure you are still on pace to meet all of your goals! We manage your investment dollars in a manner that reflects your needs based on your financial plan, your risk tolerance and your time horizon.

Stepping away feels different when you know everything back home is still being looked after.While you unplug, your fina...
07/20/2026

Stepping away feels different when you know everything back home is still being looked after.

While you unplug, your financial life continues to move. Priorities evolve, markets shift, and decisions still matter.

That’s the value of having a team that stays engaged, helping ensure your strategy continues to move with intention, even while you’re away.

07/18/2026

Many investors believe that turning 60 or 65 means they are automatically required to shift their portfolio into conservative, low-yield bonds. But if you have guaranteed income streams like a pension and Social Security, the rules change entirely.
When your essential living expenses are completely covered by a predictable, guaranteed "income floor," your investment portfolio no longer needs to be a defensive shield. It can act as a pure growth engine to protect your long-term purchasing power against inflation.

Building a business changes over time, and the financial decisions tend to change with it. Early on, the focus is often ...
07/17/2026

Building a business changes over time, and the financial decisions tend to change with it.

Early on, the focus is often on creating stability and momentum. As things grow, conversations start to shift toward taxes, risk, long-term planning, and what life eventually looks like beyond the business itself.

Each stage brings different opportunities, challenges, and decisions to think through along the way.

07/16/2026

A million dollars inside a traditional IRA is fundamentally not the same as a million dollars inside a Roth IRA. One belongs entirely to you; the other has a co-owner named the Internal Revenue Service.
Traditional IRA withdrawals are taxed as ordinary income, which can trigger higher tax brackets, subject your Social Security to taxation, and spike your Medicare premiums (IRMAA brackets). Roth IRA withdrawals, however, are entirely tax-free and completely invisible to those entitlement formulas.

Saving for retirement is only part of the equation.The next question becomes how that wealth turns into income that can ...
07/15/2026

Saving for retirement is only part of the equation.

The next question becomes how that wealth turns into income that can support your lifestyle over time.

Where withdrawals come from, how they adjust through different market environments, and how they fit into your broader financial picture all play a role in how sustainable the plan actually is.

This is where retirement planning becomes more than a number. It becomes an ongoing strategy that evolves as life does.

07/14/2026

Passing an IRA down to your children used to be an incredible wealth-transfer tool because they could stretch the tax-deferred growth over their entire lifetimes. Thanks to the SECURE Act, those days are completely over.
Most non-spouse beneficiaries who inherit a traditional IRA must completely empty the account within 10 years. For adult children in their peak earning years, forcing hundreds of thousands of dollars of taxable income on top of their salaries can wipe out a staggering percentage of their inheritance.

Families don’t avoid legacy planning because they don’t care.They avoid it because it feels uncomfortable or rationalize...
07/13/2026

Families don’t avoid legacy planning because they don’t care.

They avoid it because it feels uncomfortable or rationalized as “something we’ll get to later.”

Unfortunately, "later" often turns into never, leaving family members to piece things together during an already emotional time.

These conversations matter before they become urgent. Not just for financial reasons, but to make things simpler for the people you care about most.

07/11/2026

The evolution of ownership: From paper to pixels.

Deciding when and how to claim Social Security is a core component of a reliable retirement income plan. Because your be...
07/10/2026

Deciding when and how to claim Social Security is a core component of a reliable retirement income plan. Because your benefit is determined by your lifetime earnings and the age you choose to start collecting, there is no single "right" strategy.

In our latest article, we break down the fundamental rules of the system to help you make an informed decision:

Benefit Calculations: How your highest 35 years of earnings dictate your base amount.
Timing Decisions: The permanent financial impact of claiming anywhere between age 62 and 70.
Spousal Rules: How qualifying couples or divorced individuals can utilize spousal benefits.
Taxation: How provisional income thresholds affect how much of your benefit is taxable.

An effective strategy depends entirely on your health, retirement goals, and how these pieces fit into your broader financial picture.

Read the full guide on our blog: https://heyor.ca/Ce6B4O

Behind the scenes, our team is continually reviewing your strategy, monitoring changes that could impact your goals, and...
07/10/2026

Behind the scenes, our team is continually reviewing your strategy, monitoring changes that could impact your goals, and discussing how the different pieces of your financial life fit together over time. Ongoing planning helps ensure decisions stay aligned with where you are today and where you want to go tomorrow.

Address

210 SW Market Street
Lees Summit, MO
64083

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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