# Retirement Deja Vu Slides ## 1 — Title You’ve Saved Enough… Now What? ![showLogo](https://d6yvfl55smr7u.cloudfront.net/assets/e2tqqpvv-1781538688363-cropped-image-1781538679566.png) ![bookCover](https://d6yvfl55smr7u.cloudfront.net/assets/rm02zu8w-1781538455556-one-of-a-kind-book-front-cover.jpg) ![backgroundImage](https://d6yvfl55smr7u.cloudfront.net/assets/7xzhocvn-1779912745193-1oak-25.jpg) Mike Milligan, CFP® | 1.oak Financial https://1oakfinancial.com ## 2 — Why This Talk Matters The Mission Not just another generic checklist. We don’t just hand you a pie chart and tell you to stay the course. Our firm is here to live out my personal mission to Middle Americans looking for a partner. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Icon | Headline | Body | | --- | --- | --- | | :icon-book-open: | Educate | Understand your taxes, your income, and the real risks.

"Education is the most powerful weapon which you can use to change the world." - **Nelson Mandela** | | :icon-users: | Coach | Guide you through the emotional and psychological shifts.

"Being a role model is the most powerful form of educating… too often fathers neglect it because they get so caught up in making a living they forget to make a life." - **John Wooden** | | :icon-map: | Plan | Build a one-of-a-kind strategy that fits your actual life.

"Plans are worthless, but planning is everything." - **Dwight D Eisenhower** | ## 3 — What is Retirement Deja Vu The Cost of Generic Advice Different advisor. Same pie chart. Same generic advice. Every advisor sounds different for five minutes, then gives the same plan. ![bookCover](https://d6yvfl55smr7u.cloudfront.net/assets/anoseqlv-1781533085354-retirement-de-ja-vu-cover.png) Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu ## 4 — One of a Kind Standard Our Belief Everyone is One of a Kind. They deserve a one of a kind financial plan. The plan should fit the life — not the other way around. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu ## 5 — The Hidden Problem with Safe The Problem The Hidden Problem With "Safe" Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Number | Heading | Detail | | --- | --- | --- | | 01 | Safe can still fail. | Holding the wrong assets in the wrong environment is its own risk. | | 02 | Low returns create real risk. | Inflation, income, and taxes quietly erode safety. | | 03 | Old rules break in new times. | Yesterday's playbook isn't built for today's environment. | ## 6 — Don's First Retirement The Real Story Don's First Retirement 1999. $1 Million in Investments. $1 Million in CDs. He was doing everything right by the standards of the day. He was told to take 4% and live on the interest. Then the dot-com bust hit. Then 9/11. Then rates dropped. After only $120,000 in withdrawals, his account was down to $675,000. **Don didn't fail. The rules failed Don.** ![heroImage](https://d6yvfl55smr7u.cloudfront.net/assets/8r0itek9-1780955153741-removed-background.png) ![bgImage](https://d6yvfl55smr7u.cloudfront.net/assets/k39jx61n-1780955196124-cropped-image-1780955189264.png) Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu ## 7 — Don's Second Retirement The Difference Don's Second Retirement Rules vs. A Plan The Rules The Plan Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Text | | --- | | Live on 4% | | Live on interest | | Ignore taxes | | Hope for the best | | Text | | --- | | Real Income Plan | | Roth Conversions | | Market Independence | | Confidence in 2008 | ## 8 — The Old Playbook Under Pressure
The old playbook is cracking. The famous 4% rule isn't the guarantee it used to be. Taking too much risk — or living too small — is what happens when you don't trust your plan. 4.0% The rule everyone was taught 3.7% What recent analysis suggests today ![podcastImage](https://d6yvfl55smr7u.cloudfront.net/assets/oh2fxhzn-1781533257617-bill-bengen-youtube-episode.png) Ideas by Mike™ Podcast · Episode 33 Mike sits down with **Bill Bengen**, the creator of the 4% rule. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu ## 9 — Your Biggest Leak May Be Taxes
Your biggest leak may be Taxes. If most of your money is in tax-deferred buckets, you are in a partnership with the IRS, and they get to decide later what their share is going to be. ![portrait](https://d6yvfl55smr7u.cloudfront.net/assets/xmtzwxqs-1781545767894-generated-image.png) Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu ## 10 — A 401k Is Not a Plan
A 401(k) is an account. Not a plan. It is not a tax strategy. It is not an income strategy. It is not a Social Security strategy. It is not a long-term care strategy. It is not a legacy strategy. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Image | Caption | | --- | --- | | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/ontbvr6u-1781533388414-imgi-2-1-oak-one-of-a-kind-home-header-feel-dismissed-ss-2596123227.jpg) | Dismissed | | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/jh4fmgnm-1781533403025-imgi-16-1-oak-one-of-a-kind-home-header-feel-unprepared-ss-755583091-1536x902.jpeg) | Unprepared | | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/9ib3qcmt-1781533406831-imgi-28-1-oak-one-of-a-kind-home-header-feel-stress-ss-2221902847.jpeg) | Stressed | ## 11 — The Paralysis Penalty As Featured On The Conversations Experts Are Having. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Image | Show | Episode | | --- | --- | --- | | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/488e2u9k-1781539917996-mike-saunders.png) | Influential Entrepreneurs | with Mike Saunders | | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/e8syhoz9-1781535010421-paralysis.png) | Entrepreneurial Excellence Podcast | S18 E4 — "The 'Paralysis Penalty' That's Quietly Killing Your Money" | | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/9r96osct-1781535002994-solopreneur.png) | The Aspiring Solopreneur | "Financial Advice Every Solopreneur Needs to Hear" | | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/uy6oqpqg-1781535068179-lifestyle.png) | Lifestyle Solopreneur | S1 E231 | | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/8ozk73eo-1781540039423-5.png) | Free Life Agents | FLA 197 | ## 12 — Six Big Risks in Retirement Principles of Retirement Planning **The 6 Big Risks in Retirement** ![visualImage](https://d6yvfl55smr7u.cloudfront.net/assets/x01tyfzj-1781541700341-277.jpg) Strategic Insight Accounting for every force that impacts your retirement. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Icon | Name | Detail | | --- | --- | --- | | :icon-heart-pulse: | Mortality | Loss of financial assets as the result of a partner’s or spouse’s death | | :icon-droplet: | Liquidity | Limited access to assets to meet life’s unexpected financial needs | | :icon-trending-down: | Market | Unexpected reduction in the value of financial assets at the time of withdrawal | | :icon-landmark: | Taxes | Decreased income and assets and/or the impairment of legacy assets from increasing taxes  | | :icon-flame: | Inflation | Reduction in real purchasing power as the result of increasing cost of living | | :icon-infinity: | Longevity | Outliving financial assets as the result of a longer life | ## 13 — Focus on the Big Rocks What Actually Moves the Needle Focus on the Big Rocks. Get the important things right, in the right order. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Icon | Label | | --- | --- | | :icon-receipt: | Tax Strategy | | :icon-wallet: | Income Strategy | | :icon-calendar-clock: | Social Security Timing | | :icon-shield: | Risk Alignment | | :icon-heart-pulse: | Long-Term Care | ## 15 — Why is Money Important Answer This Question Why is Money Important to You? Before we can move forward with vision, planning and implementing, we have to know the answer to this. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu ## 14 — Retirement Is More Than Money Beyond the Numbers Retirement is more than Money. ![heroImage](https://d6yvfl55smr7u.cloudfront.net/assets/fyc7l00h-1781534396992-screenshot-2026-06-15-103936.png) Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Image | Label | Question | | --- | --- | --- | | ![image](https://faces.site/placeholder.svg) | Life | What will your life look like? | | ![image](https://faces.site/placeholder.svg) | Time | What will your time be used for? | | ![image](https://faces.site/placeholder.svg) | Meaning | What will give retirement meaning? | ## 16 — Retirement CHI The Retirement CHI Framework Retirement CHI™ A clearer vision. Less stress. More meaning. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Letter | Name | Tag | | --- | --- | --- | | C | Community | Who are your people? | | H | Health | Health is the New Wealth | | I | Impact | Where Passion and Wisdom Collide | ## 17 — Community Retirement CHI — Part 1 of 3 Community Retirement should not become isolation. ![image](https://d6yvfl55smr7u.cloudfront.net/assets/ggivyah0-1781534576569-seniors-on-the-bench.jpg) Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Question | | --- | | Who are your people? | | Where will connection come from? | | What will give your days rhythm? | ## 18 — Health Retirement CHI — Part 2 of 3 Health Wellness is the multiplier on everything else. ![image](https://d6yvfl55smr7u.cloudfront.net/assets/rd6yafa0-1781534467994-retirees-playing-pickleball.png) Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Question | | --- | | Does health support your freedom? | | How will wellness shape spending? | | What costs hide in neglect? | ## 19 — Impact Retirement CHI — Part 3 of 3 Impact Retirement can be contribution, not withdrawal. ![image](https://d6yvfl55smr7u.cloudfront.net/assets/s44b799f-1781534629895-older-couple-walking-on-beach-2-png.webp) Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Question | | --- | | Where will purpose come from? | | Who benefits from your wisdom? | | What legacy do you want to live? | ## 20 — Four Phases Ideas by Mike Podcast | Episode 33 The Four Phases of Retirement. From my conversation with Dr. **Riley Moynes** — preparing emotionally, not just financially. ![podcastImage](https://d6yvfl55smr7u.cloudfront.net/assets/x67y9xnu-1781534717084-imgi-288-hqdefault.jpg) Mike Milligan with** Dr. Riley Moynes** Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Number | Icon | Title | Detail | | --- | --- | --- | --- | |
| :icon-palmtree: | **The Vacation Phase** | Often described as the "honeymoon" period, this typically lasts for about 6 to 24 months. It is characterized by rest, leisure, and a lack of daily structure. | |
| :icon-cloud-rain: | **The Loss and Lost Phase** | A challenging period of disillusionment where individuals may feel a loss of their professional "Big 5": routine, identity, relationships, purpose, and power. This phase can lead to feelings of boredom, fear, or anxiety. | |
| :icon-compass: | **The Trial and Error Phase** | An experimental stage where retirees begin to test new activities and interests to discover what provides them with a renewed sense of meaning. | |
| :icon-sparkles: | **The Reinvent and Rewire Phase** | The most fulfilling stage, where individuals have successfully "rewired" their lives by finding a new purpose, routine, and a commitment to service or contributing to something larger than themselves. | ## 21 — The Home Depot Effect The Home Depot Effect From Vacant Lot to Dream Home. ![vacantImage](https://d6yvfl55smr7u.cloudfront.net/assets/usmml8c3-1781534826205-generated-image.png) The Vacant Lot ![dreamImage](https://d6yvfl55smr7u.cloudfront.net/assets/7syskde9-1781534830922-generated-image.png) The Dream Home Path 1 Walk the aisles alone. Grab products one at a time and hope they fit together. Path 2 Start with the blueprint. Build with a plan, a team, and the right tools in order. The Financial Plan is the Most Important Document You will have in your Life — It is the blueprints that follows the building code and lists all the products you need to live your “dream” One of a Kind Life. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu ## 22 — Five Pillars The 1.oak Framework The Five Pillars. Integrated, not isolated. Aligned, not assumed. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Icon | Number | Name | Short | | --- | --- | --- | --- | | :icon-receipt: | 01 | Tax Planning | Tax | | :icon-wallet: | 02 | Retirement Income | Income | | :icon-trending-up: | 03 | Investment Planning | Invest | | :icon-heart-pulse: | 04 | Long-Term Care | Care | | :icon-scroll-text: | 05 | Legacy Planning | Legacy | ## 23 — Tax Map Across the Years
Tax Planning Filing returns is not strategy. Tax planning looks across years, not just April. Tax Map Across the Years The Tax Code is not just a bill that needs to be settled. It is an instructional manual full of loopholes that, when understood, creates opportunities. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Label | Detail | | --- | --- | | Understand future brackets | Map likely income years before they arrive. | | Coordinate Roth opportunities | Use today's brackets to fill tomorrow's. | | Avoid surprise tax traps | RMDs, IRMAA, capital gains — sequenced. | | Year | Action | | --- | --- | | Age 40-60 | Growth and Accumulation Years — maximizing tax efficiency is most important. | | Pre-65 | Roth Conversion Window where structure matters. | | 65 | Medicare kicks in — tax planning is powerful here. | | 70 ½ | QCDs become a strategy. | | 73 or 75 | RMDs begin — QLAC becomes an option. | | Legacy | Step-Up in Basis, 10-Year RMD Rule, Tax Bombs. | ## 24 — Income Planning Pillar
Income Planning Reliable, lifestyle-matched, sequence-protected. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Tier | Label | Purpose | | --- | --- | --- | | Tier 1 | Income You Need | Guaranteed Sources — Social Security, Pension, Annuity Payments. | | Tier 2 | Income You Want | Portfolio Withdrawals, Rental Income, Interest and Dividends. | | Tier 3 | Deferred Income | Equity Exposure to combat Inflation. | | Tier 4 | End of Life Income | Long-Term Care, Life Insurance — Dignity and Love. | “Don't live on assets; live on income.” — Tom Hegna ## 25 — Investment & Care Pillars
Growth + Protection. Investments serve the plan. Long-term care can't be a footnote. Investment Planning Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Text | | --- | | Asset allocation should support the plan, not be the plan. | | Risk aligned with timeline and income strategy. | | Tax-efficient location across account types. | Long-Term Care | Text | | --- | | One care event can reshape retirement in months. | | Coverage, self-funding, hybrid strategies — modeled. | | Protect the surviving spouse first. | ## 26 — One of a Kind Life
One of a Kind Life Leave more than money. Wealth, values, and intentions — transferred with care. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Icon | Label | | --- | --- | | :icon-users: | Beneficiaries reviewed | | :icon-landmark: | Estate coordination | | :icon-message-circle: | Family communication | | :icon-heart: | Values preserved | A one of a kind life — passed on Intentionally. ## 27 — What a One of a Kind Plan is like Instead of The Outcome–”Escaping Retirement Deja Vu” What a One of a Kind Financial Plan is like! Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Icon | Number | Label | | --- | --- | --- | | :icon-help-circle: |
| Why is Money Important | | :icon-eye: |
| Build Vision | | :icon-map: |
| Create the Plan | | :icon-users: |
| Pick the Team | | :icon-wrench: |
| Use the Tools | | :icon-sparkles: |
| Live One of a Kind Life | ## 28 — Our Client Experiences Our Client Experiences This is What They Tell Us They Feel. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Icon | Name | | --- | --- | | :icon-sun: | More Clarity | | :icon-check-check: | Less Guesswork | | :icon-compass: | Better Decision Making Process | | :icon-heart-handshake: | Greater Peace of Mind | ## 29 — Meet My Team Meet My Team The People Behind Your Plan. A dedicated team committed to your One of a Kind retirement. ![teamImage](https://d6yvfl55smr7u.cloudfront.net/assets/qbrry7d2-1781535428880-cropped-image-1781535419967.png) The 1.oak Financial Team Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu ## 30 — Show Our Resources Show Our Resources Keep Learning With Us. Tune in, listen, and watch wherever you are. Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu | Icon | Name | Detail | Background | | --- | --- | --- | --- | | :icon-radio: | 1.oak Radio | www.1oakradio.com | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/2vswe35k-1781556459704-1-oak-radio-website.png) | | :icon-mic: | Ideas by Mike Podcast | Available on all platforms | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/a1f35k1p-1781556459483-apple-podcast.png) | | :icon-youtube: | YouTube Channel | @1.oakfinancial | ![image](https://d6yvfl55smr7u.cloudfront.net/assets/ixzu29tf-1781556459668-youtube-page.png) | ## 31 — Your Next Step Your Next Step Schedule Your One on One Meeting with Mike. Stress-test your current plan. Identify the blind spots. Start your One of a Kind Life. https://1oakfinancial.com/ ![qrCode](https://d6yvfl55smr7u.cloudfront.net/assets/gyixvju6-1781545363256-qr-code-june-15-webinar.png) SCAN THIS QR NOW! Mike Milligan, CFP® https://www.linkedin.com/in/mikemilligancfp/ 1.oak Financial https://1oakfinancial.com/ How to Break Free from Retirement Deja Vu ![portrait](https://d6yvfl55smr7u.cloudfront.net/assets/vc2g82rm-1781535541610-17.png)