• Fort Lauderdale FL and Surrounding Areas
  • (407) 421-5620
  • bscott@blackoakfinancial.org
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Our Services

Budgeting & Lifestyle

Ever get your paycheck and wonder where it all went? Between expected and unexpected expenses, it can feel like money disappears before it hits your account. We’re here to help you get on track with a plan for your lifestyle. Life’s all about balance—figuring out how much to save and what to spend can take the stress out of your finances and give you peace of mind.

Investments

Figuring out your risk tolerance, goals, and timeline is key to creating an investment plan that lets you rest easy, knowing your money is working for you. The stock market isn’t for everyone—and that’s totally fine. There are plenty of investment options out there, and we’re here to help you find the ones that fit your needs and comfort level.

Insurance

Insurance is the foundation of a secure financial future. Disability insurance safeguards your income if you're unable to work due to injury. Life insurance ensures your loved ones are protected, even when you're no longer there. Long-Term Care insurance guarantees that you receive the care you need without draining your savings. We're here to help you find a plan that fits both your needs and your budget, so you can have peace of mind knowing you're covered.

Retirement

How much do you plan to spend each year in retirement? Have you ever worried that your savings might fall short? More importantly, what do you plan to do in retirement? The answers to these complex questions are simpler than you think. With a thorough analysis, strategic reallocation, and a solid implementation plan, you can ensure you retire on your terms—whether that’s early, on time, or without worry.

Education

College is expensive and is not getting any cheaper. Do you want your children paying off student loans into their late 30s or 40s? Have you considered the impact of inflation on your savings plan? Determining which strategies to implement and how much to save are critical steps to sound financial planning.

Tax

The wealthy stay wealthy because they have access to tax strategies and distribution techniques provided by their financial team. We are here to provide you with the same power. Tax planning can be the difference between treading water and building generational wealth.

Estate Preservation Planning

What happens to your assets when you pass on? How are your funeral and last debts being paid for? Estate preservation planning may be the last thing you want to talk about but handling your arrangements will make it easier to enjoy your retirement years.

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Knowledge & Insights

The financial world can feel confusing and overwhelming—but it doesn’t have to be. At Black Oak Financial, we take the guesswork out of planning for your future. With a clear, personalized strategy and expert guidance every step of the way, we help turn uncertainty into confidence. Let us handle the complexity, so you can focus on what matters most.

Outstanding Service

At Black Oak Financial, we’re always here to help you reach your goals and answer your questions. Our mission goes beyond providing services—we’re committed to educating and empowering our clients with valuable insights. Even if that knowledge means you no longer need our services, we’re proud to have made a positive impact. Your success is our success.

Industry Insight

At Black Oak, we’re confident in our ability to meet your financial needs. In addition to comprehensive financial planning, we’re committed to modernizing the advisory experience by offering education on interesting concepts such as options trading and emerging market trends—empowering you to make informed decisions for the future.

Our Commitment

We will never recommend a product or service without thoroughly researching and analyzing it to ensure it aligns with your specific needs and goals.

Client Dedication

You’re not just a number to us. At Black Oak, we’re committed to building strong relationships and delivering personalized service through honest, transparent communication—because your goals deserve more than a one-size-fits-all approach.

Education

College is ridiculously expensive, and it is not getting any cheaper. No one wants their children riddled with student loans. Have you considered the impact of inflation on your savings plan? While the cost of college may be $20,000 today, the cost could become $45,000 in 18 years. Even K-12 prices are getting out of hand. Determining which strategies to implement (529s, CESAs, UTMAs, etc.) is a critical step to sound financial planning. Adjusting for inflation, time, and needs can save you a lot of stress, and your children a lot of debt down the road.

Tax

Are you taking advantage of all the tax credits and deductions available to you? I’m sure you’ve heard of the child tax credit. What about the Lifetime Learning Credit, the American Opportunity Credit, student loan interest deductions, or home ownership deductions? The wealthy stay wealthy because they have access to tax strategies and distribution techniques provided by their financial planners. I am here to provide you with the same power. Once it is time to distribute your wealth to the next generation, limit taxable income, and provide to charities, I can provide gift, donation, and estate planning strategies. Tax planning can be the difference between treading water and building generational wealth.

Budget / Lifestyle

Have you ever received your paycheck and wondered where all your money went? Expenses, expected and unexpected, sneak up on you, we can help get you on the right path. You shouldn’t have to constantly choose between a nice vacation and saving for the future. Life is all about balance. Determining how much to save and what to spend can relieve a lot of stress.

Retirement

How much do you need to retire? Acquiring a nest egg of one million dollars would lead to roughly $30,000 a year in retirement, before inflation. Could you live off that?

Should you choose between a ROTH IRA, Traditional IRA, 401(k), Roth 401(k), a self-employed retirement plan or other methods?

Have you ever been concerned that the money you have saved will not be enough? There are simple answers to complicated questions. An analysis, reallocation, and implementation plan can be the difference between you retiring early, on time, or not at all.

Estate

What happens to your assets when you pass on? How are your funeral and last debts being paid for? Who are the beneficiaries? Are your documents in order to continue your business in the event of incapacitation or death? Will your assets pass to who you intend, or will the state decide? A few pieces of paperwork could go a long way in putting your mind at ease and eliminating the stress on your family in critical times. The matter is further complicated in the event of divorce, second families, split custody, etc. A little piece of paper now could save you in the future.

Investments

I get it, cryptocurrency and reddit stocks are sexy. But not all investments fit everyone. Determining your risk tolerance, objectives, goals, constraints, and values can assist in crafting an investment strategy that allows you to sleep easy knowing your money is working for you. The world of investing is vast, but not as complex as it seems. If you cannot stomach seeing the $1000 you invested drop to $100, your strategy may be completely different than someone who has $100,000 to throw away. If you are 23 with no children, your timeline and risk tolerance allow for a strategy far riskier than a fifty-year-old with four children.

Insurance

If you broke your leg tomorrow and were unable to work what would happen? Would you be able to continue your standard of living? Would your family be able to keep up their standard of living or would they have to liquidate assets and downsize if you met your demise? If you are incapacitated at an old age, do you want your children to give up their lives and burn through the family financial assets to care for you? Everyone needs it, everyone hates to talk about it. Insurance is the cornerstone of a financial plan. Disability insurance protects your income if you’re injured. Life insurance makes sure you’re loved ones (even the family pet) are taken care of. Long Term Care insurance makes sure the stress is reduced when it comes to your care without depleting your assets. We’re here to make sure you find a plan that fits your needs and wallet.

Family Law

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Company Law

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Real Estate Law

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Black Oak Financial LLC

  • (407) 421-5620
  • bscott@blackoakfinancial.org
  • Fort Lauderdale, FL

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Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC. Black Oak Financial, LLC is not an affiliate of OneAmerica Securities or the companies of OneAmerica Financial and is not a broker dealer or Registered Investment Advisor.

Black Oak Financial, LLC may conduct life insurance and securities business in Florida and may be licensed in other states. Financial professionals cannot conduct life insurance or securities business in states in which they are not licensed. This content should not be construed as an offer for the sale of insurance or securities products in unauthorized states or countries.

Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Neither OneAmerica Securities, the companies of OneAmerica Financial, Black Oak Financial, LLC, nor their representatives provide tax or legal advice. For answers to specific questions and before making any decisions, please consult a qualified attorney or tax advisor.

Investing involves risk which includes potential loss of principal. Guarantees are subject to the claims paying ability of the issuing insurance company.

Not affiliated with or endorsed by the Social Security Administration, the Centers for Medicare & Medicaid Services, or any other governmental agency.

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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*Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA/SIPC. Black Oak Financial, LLC is not an affiliate of OneAmerica Securities or the companies of OneAmerica and is not a broker-dealer or Registered Investment Advisor.

 Black Oak Financial, LLC is authorized to conduct life insurance and securities business in Florida (License # W774014) and may be licensed in other states. Black Oak Financial, LLC cannot conduct life insurance or securities business in states in which we are not licensed. This website is in no way to be construed as an offer for the sale of insurance or securities products in unauthorized states or countries.

 Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Neither OneAmerica Securities, the companies of OneAmerica, Black Oak Financial LLC, nor their representatives provide tax or legal advice. For answers to specific questions and before making any decisions, please consult a qualified attorney or tax advisor.

Guarantees are subject to the claims paying ability of the issuing insurance company.

Black Oak Financial, LLC is not affiliated with or endorsed by the Social Security Administration, the Centers for Medicare & Medicaid Services or any other governmental agency.

Investing involves risk which includes potential loss of principal.