# Financial Plan Deck
## The Plan
The One of a Kind Financial Plan
Say Goodbye to One-Size-Fits-All
Hello to What Actually Works
Mike Milligan, CFP
www.1oakfinancial.com
## Today's Journey
Today's Journey
| Text | Icon |
| --- | --- |
| Discover YOUR One of a Kind Life vision | :icon-eye: |
| Learn the 5 Steps of financial planning | :icon-list: |
| Understand why tax planning changes everything | :icon-pie-chart: |
| Create your personalized roadmap | :icon-map: |
## Industry Setup
The Financial Industry Setup
You can't change the industry, but YOU can change YOUR approach.
| Text |
| --- |
| Designed to be repeatable and profitable |
| One-size-fits-all approach dominates |
| Cookie-cutter plans will never be as powerful |
## Core Truth
THE CORE TRUTH
You live a ONE OF A KIND LIFE.
Your financial plan should reflect that uniqueness.
## Three Points
Three Points to Remember
| Text |
| --- |
| Everyone deserves a one of a kind life |
| One of a kind lives don't happen by accident |
| Creating that plan is NOT impossible |
## Activity: Vision
Activity
Your Vision
Answer these questions honestly:
| Question |
| --- |
| What do you want from this life? |
| What brings you passion and fulfillment? |
| How do you want to spend your time? |
## Retirement CHI
Retirement Planning
The CHI Framework
Your retirement isn't just financial. It's deeply personal.
| Letter | Word | Question | Icon |
| --- | --- | --- | --- |
| C | Community | Who do you want to spend time with? | :icon-users: |
| H | Health | How do you want to feel? | :icon-heart-pulse: |
| I | Impact | What legacy will you leave? | :icon-sparkles: |
## Barriers to Vision
What's Holding You Back?
Barriers to Your Vision
| Barrier | Icon |
| --- | --- |
| Fear of judgment | :icon-eye-off: |
| Societal expectations | :icon-users: |
| Financial constraints (real or perceived) | :icon-circle-dollar-sign: |
| Lack of clarity about what you truly want | :icon-cloud-fog: |
Awareness is the first step to breaking through.
## Barriers to Plan
Common Roadblocks
Barriers to Your Plan
| Barrier | Detail | Icon |
| --- | --- | --- |
| Disorganization | The digital shoebox problem | :icon-archive: |
| The "it's too much work" myth | It's closer than you think | :icon-brain: |
| Shame about past financial mistakes | Everyone starts somewhere | :icon-shield-off: |
| Not knowing who to trust | We'll solve this together | :icon-help-circle: |
## Time Reality
The Time Investment Reality
3
Hours
That's all it took Russell and Peggy to build their complete plan.
3 meetings × 45 minutes + 15 minutes homework each
What's stopping you?
## Fiduciary Question
Know Who You're Working With
The Fiduciary Question
Not all fiduciaries are created equal.
| Role | What They Sell | Icon |
| --- | --- | --- |
| Life Insurance Agents | Sell only IULs | :icon-shield: |
| Brokers | Push mutual funds and annuities | :icon-trending-up: |
| Banks | Promote CDs and bank products | :icon-landmark: |
Independent CFPs are ethically bound to put **YOUR** interests first — not their commission.
## Burger Comparison
An Analogy
The Burger Joint Comparison
Financial Industry
Burger Chains
| Point | Icon |
| --- | --- |
| Everyone sells "burgers" their own way | :icon-utensils: |
| Each claims competitors are toxic | :icon-zap: |
| Most follow a one-size-fits-all process | :icon-copy: |
You deserve a custom meal — not a combo #3.
## Why CFPs Matter
The Gold Standard
Why Independent CFPs Matter
| Stat | Label |
| --- | --- |
| 100K | CFPs globally — a rare breed |
| 100% | Ethically bound to YOUR interests |
| Point | Icon |
| --- | --- |
| True fiduciaries — legally required to put you first | :icon-shield-check: |
| Not tied to corporate profits or products | :icon-unlink: |
| Offer broad range of solutions | :icon-layers: |
## 1.oak Advisors
1.oak Advisors
Meet the team
Our advisors are dedicated specialists committed to crafting truly One of a Kind Financial Plans — built around your unique life, goals, and vision for the future.
| Name | Role | Photo |
| --- | --- | --- |
| January Liddell | Sr. Financial Specialist |  |
| Marcus Washington | Sr. Financial Specialist |  |
| Eric Picard | Financial Specialist |  |
| Scotty Liberatore | Legacy & Financial Specialist |  |
| Josef Mehall | Wealth Manager |  |
## Tax Planning Intro
The #1 Thing You Can Do
Tax Planning
Your biggest expense. Your greatest opportunity.
Taxes are your
BIGGEST
lifetime expense.
| Tax Type | Icon |
| --- | --- |
| Federal income tax | :icon-building-2: |
| State and city income tax | :icon-map-pin: |
| Property tax & estate tax | :icon-home: |
| Sales tax on everything | :icon-shopping-cart: |
## Tax Truth #1
Truth #1
BIGGEST
Taxes are the **BIGGEST** expense you'll pay in your lifetime.
More than your mortgage. More than your car. More than anything else.
www.1oakfinancial.com
## Taxes Everywhere
Taxes Are Everywhere
They Take a Cut at Every Turn
| Tax Name | Detail | Icon |
| --- | --- | --- |
| Federal Income Tax | The biggest slice taken from your paycheck | :icon-building-2: |
| State & City Income Tax | Depending on where you live — another layer | :icon-map-pin: |
| Property & Estate Tax | Taxed on what you own, even after death | :icon-home: |
| Sales Tax on Everything | Every dollar you spend, taxed again | :icon-shopping-cart: |
Tax planning is the most powerful lever you have.
## What Tax Planning Does
Why It Matters
What Tax Planning Does
| Benefit | Detail | Icon |
| --- | --- | --- |
| Reduces your biggest lifetime expense | Keep more of what you earn | :icon-trending-down: |
| Creates financial security | A stable foundation for everything else | :icon-shield-check: |
| Protects against future government decisions | Hedge against rising tax rates | :icon-lock: |
| Frees up money for strategic investing | More capital working for you | :icon-trending-up: |
www.1oakfinancial.com
## Breaking the 80% Rule
Challenge the Conventional Wisdom
Breaking the 80% Rule
Traditional Advice
Plan to live on 80% of your income in retirement.
vs.
Our Approach
We don't want 80% of life. We want 100%.
Your retirement should be the fullest chapter of your life, not a discounted version of it.
www.1oakfinancial.com
## The 5-Step Framework
The Framework
The 5-Step Financial Plan
| Step Name | Detail | Icon | Photo |
| --- | --- | --- | --- |
| Tax Planning | Reduce your #1 lifetime expense | :icon-receipt: |  |
| Income Planning | Never run out of money | :icon-wallet: |  |
| Investment Management | Growth aligned with your goals | :icon-trending-up: |  |
| Long-Term Care | Protect your family and legacy | :icon-heart-handshake: |  |
| Legacy Planning | Define how you'll be remembered | :icon-star: |  |
## Step 1: Tax Planning
Step 1 of 5
Tax Planning
The questions your plan must answer:
| Question | Icon |
| --- | --- |
| How can we reduce lifetime taxes? | :icon-arrow-down-circle: |
| How can we position assets tax-free? | :icon-shield: |
| How do we get out of the tax system entirely? | :icon-log-out: |
www.1oakfinancial.com
## Step 2: Income Planning
Step 2
Income Planning
Your biggest fear: Running out of money.
Income Planning exists specifically to solve this.
| Source | Detail | Icon |
| --- | --- | --- |
| Social Security | Covers ~40% of what you need | :icon-landmark: |
| Pension Plans | If available to you | :icon-briefcase: |
| Retirement Savings | Creating income from your assets | :icon-piggy-bank: |
We don't want 80% of life in retirement. We want **100%.**
## Step 3: Investment
Step 3 of 5
Investment Management
Where traditional advisors start — but we don't.
| Point | Detail | Icon |
| --- | --- | --- |
| Strategic Asset Allocation | The right mix for your stage of life | :icon-pie-chart: |
| Growth With Security | Not just chasing returns — protecting them too | :icon-shield-check: |
| Aligned with YOUR Timeline | Your risk tolerance, your goals, your pace | :icon-sliders-horizontal: |
www.1oakfinancial.com
## Step 4: Long-Term Care
Step 4
Long-Term Care
Planning prevents financial devastation.
| Stat | Label | Icon |
| --- | --- | --- |
| 70% | of people will need long-term care | :icon-users: |
| $100K+ | average cost per year | :icon-dollar-sign: |
| Point | Icon |
| --- | --- |
| Planning prevents financial devastation | :icon-shield-check: |
| Protects your legacy and your family | :icon-heart: |
## Step 5: Legacy Planning
Step 5 of 5
Legacy Planning
It's not just about money.
| Question | Icon |
| --- | --- |
| What values do you want to pass on? | :icon-heart-handshake: |
| How do you want to be remembered? | :icon-book-open: |
| Who and what do you want to impact? | :icon-sparkles: |
www.1oakfinancial.com
## Build Your Vision
Build Your Roadmap — Step 1
Build Your Vision
Start with clarity on your one of a kind life.
| Question | Icon |
| --- | --- |
| What does your ideal day look like? | :icon-sun: |
| Who are you spending it with? | :icon-users: |
| What are you doing? | :icon-activity: |
www.1oakfinancial.com
## Build Your Team
Build Your Roadmap — Step 2
Build Your Team
| Role | Detail | Icon |
| --- | --- | --- |
| Independent CFP | Your guide — coordinates the whole plan | :icon-compass: |
| Tax Professional (CPA/EA) | Reduces your biggest lifetime expense | :icon-receipt: |
| Estate Attorney | Protects your legacy and wishes | :icon-scale: |
| Financial Planner | Connects all the dots together | :icon-network: |
www.1oakfinancial.com
## Build Your Knowledge
Build Your Roadmap — Step 3
Build Your Knowledge
You don't need a finance degree — but you need the basics.
| Topic | Detail | Icon |
| --- | --- | --- |
| Understanding Your Accounts | Know what you own and where it lives | :icon-wallet: |
| Tax Strategies That Apply to You | Specific to your situation — not generic advice | :icon-receipt: |
| Investment Fundamentals | The basics every investor must know | :icon-book-open: |
www.1oakfinancial.com
## Build Your Roadmap
Your Next Step
Build Your Roadmap
Your plan is like redecorating your home — unique to you.
| Pillar | Detail | Icon |
| --- | --- | --- |
| Your Vision | Start with clarity on your one of a kind life | :icon-eye: |
| Your Team | Independent CFP, CPA, estate attorney | :icon-users: |
| Your Knowledge | Accounts, tax strategies, fundamentals | :icon-book-open: |
| Your Plan | Reorganize, declutter, or redesign | :icon-map: |
Ready to build yours?
www.1oakfinancial.com
## Activity: Get Organized
Activity
Get Organized
Do you know the answers to these?
| Question | Icon |
| --- | --- |
| Where all your accounts are? | :icon-map-pin: |
| Your total net worth (ballpark)? | :icon-calculator: |
| Your monthly expenses? | :icon-credit-card: |
| What you're currently invested in? | :icon-trending-up: |
If not — that's exactly where we start.
www.1oakfinancial.com
## Always Tell the Truth
Words of Wisdom
Always Tell the Truth To...
| Person | Icon |
| --- | --- |
| Your Priest | :icon-church: |
| Your Doctor | :icon-stethoscope: |
| Your Financial Planner | :icon-briefcase: |
www.1oakfinancial.com
## Connie's Story
Real Story
Connie's Story
| Value | Label | Icon |
| --- | --- | --- |
| $1.2M | Saved on limited income | :icon-piggy-bank: |
| Age 50 | Retired early | :icon-calendar-check: |
| 8 Years | Of complete freedom | :icon-sun: |
An executive assistant who listened, learned, and made her plan work. She retired at 50 — and enjoyed 8 full years of freedom before a cancer diagnosis changed everything.
www.1oakfinancial.com
## The Lesson
The Lesson
She had no way of knowing she only had 8 years.
But her plan gave her
8 years of FREEDOM
The plan doesn't predict the future. It makes every moment count.
www.1oakfinancial.com
## Never Miss a Moment
Mike's Personal Motto
Never Miss a Moment
Your one of a kind plan makes this possible.
www.1oakfinancial.com
## Three Paths Forward
Moving Forward
Three Paths
| Path Name | Description | Icon | CTA |
| --- | --- | --- | --- |
| Traditional Path | Assembly line approach — built for the masses, not for you. | :icon-factory: | Generic |
| DIY Path | Go it alone with tools and guesswork — risky without guidance. | :icon-wrench: | Uncertain |
| Customized Path | One of a Kind Plan — designed around your life, goals, and future. | :icon-star: | The Right Choice |
www.1oakfinancial.com
## Discussion: Your Uniqueness
Group Discussion
Your Uniqueness
Share with the group:
| Question | Icon |
| --- | --- |
| What makes your situation unique? | :icon-fingerprint: |
| What one-size-fits-all advice doesn't work for you? | :icon-x-circle: |
| What's one thing you learned today? | :icon-lightbulb: |
www.1oakfinancial.com
## Your Next Steps
Take Action
Your Next Steps
| Step | Icon |
| --- | --- |
| Complete your vision worksheet | :icon-file-pen: |
| Organize your financial accounts | :icon-folders: |
| Schedule your planning session | :icon-calendar-plus: |
| Start building YOUR one of a kind life | :icon-rocket: |
www.1oakfinancial.com
## Claim Your Gifts
A Free Resource For You
Take the Book Home
**The One of a Kind Financial Plan** by Mike Milligan, CFP — yours, free.
Scan to claim your free copy
Mike Milligan, CFP
4.5 out of 5 stars on Amazon
Why this book belongs on your shelf
| Title | Detail | Icon |
| --- | --- | --- |
| Define your personal vision | Walk through the Retirement CHI™ method to clarify what truly matters to you. | :icon-compass: |
| Follow the 5-step blueprint | A practical framework that reflects your values, not someone else's formula. | :icon-list-checks: |
| Real strategies, real stories | Reduce taxes, invest with intention, and read how others stopped settling and started thriving. | :icon-book-open: |
Built from 25+ years of sitting across the table from real people with real goals.
## Financial Clarity Call
No Obligation. No Pressure. Just Clarity.
Schedule Your Free
**Financial Clarity Call**
If anything today sparked a question — or a second thought about your financial future — this call is for you. Sit down with a real person, share your real situation, and walk away with real answers built around your life.
| Icon | Text |
| --- | --- |
| :icon-shield-check: | No sales pitch. No obligation. |
| :icon-user-round: | A real advisor who listens to your story. |
| :icon-sparkles: | Strategies built around your unique life. |
Scan to schedule
Mike Milligan, CFP
& the 1.oak Team of Advisors
100% Free & No Obligation
Real conversations. **Real answers built for you.**
## Thank You
Thank You!
Questions?
Be One of a Kind
www.mikemilligan.com
www.1oakfinancial.com
