Clear Guidance for Life’s Most Important Financial Decisions
At Black Oak Asset Management, we help individuals and families understand their financial picture, make informed decisions, and move forward with clarity, especially as they approach and enter retirement.
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Education First. Guidance Always.
Our team is built around a coaching mindset. Many of our advisors began their careers as educators, coaches, or leaders in other fields before becoming financial advisors. That background shapes how we work today: we take the time to explain, ask thoughtful questions, and help clients understand their options before making decisions.
We are not here to sell products or chase short-term outcomes. We are here to help you understand where you are, consider what matters most, and create a clear plan you can feel confident in over time.
Meet Our Advisors
President & Financial Advisor
Financial Advisor
COO & Financial Advisor
Financial Advisor
Financial Advisor
Client Services Manager
Client Service Associate
Ryan Ledden, CFP®, RICP®
President & Financial Advisor
Nick Morgan, RICP®
Financial Advisor
Autumn Mower
COO & Financial Advisor
Damon Gibbs
Financial Advisor
Rick Howard
Financial Advisor
Andrea Roche
Client Services Manager
Chloe Miller
Client Service Associate
Planning Built Around Your Life—Not Just Your Investments
Our services are designed to work together as part of a broader plan. We help clients understand how each decision fits into the bigger picture, rather than focusing on one piece in isolation.
Comprehensive Financial Planning
Financial decisions are rarely isolated. The choices you make about saving, investing, taxes, insurance, and retirement all influence one another. We focus on comprehensive planning because confidence comes from seeing the full picture, not just one piece of it. When everything is aligned around your goals, you can move forward with greater clarity and fewer surprises.
Investment Management
Markets will rise and fall, but your long-term plan should not change every time the headlines do. We emphasize disciplined investment management because consistency and preparation matter more than prediction. Our role is to help you stay focused on what you can control so your investments support your broader goals rather than distract from them. Confidence grows when strategy replaces emotion.
Retirement Income Planning
Retirement is not just about reaching a number. It is about creating dependable income that supports the life you want to live. We focus on income planning because the shift from saving to spending requires thoughtful structure and clarity. When you understand how your income is designed to work, you can spend your time enjoying retirement instead of worrying about it. Stability creates freedom.
Social Security and Tax-Aware Planning
Small decisions around Social Security and taxes can have long-term consequences. We prioritize thoughtful planning in these areas because keeping more of what you have worked hard to build can meaningfully impact your future. When these pieces are coordinated with your overall plan, the result is greater efficiency and fewer unexpected surprises. Clarity today can prevent regret tomorrow.
Medicare and Insurance Guidance
Healthcare decisions often feel complicated and overwhelming, especially during major life transitions. We focus on guidance in this area because protecting your health and your financial well-being go hand in hand. With thoughtful planning, these decisions become manageable rather than intimidating. Peace of mind comes from understanding your options and choosing coverage that supports your long-term goals.
Ongoing Education and Coaching
Financial planning is not a one-time event. It is an ongoing relationship. We believe education and coaching are essential because informed clients make more confident decisions. Our goal is to help you understand not just what to do, but why you are doing it. Over time, that clarity builds discipline, resilience, and a plan you can trust.
Office Locations
Alpharetta, Georgia
Lawrenceville, Georgia
Macon, Georgia (Advisory services)
Northeast Florida
Let’s Start With a Conversation
If you’re considering working with a financial advisor, the first step is simply getting to know each other. Our initial conversations are focused on understanding your questions, your goals, and whether our approach is the right fit.