Upcoming Events

Take a look at some of the events happening courtesy of Black Diamond FInancial

The Wealth Empowerment Experience

The Wealth Empowerment Experience (THE WEE) is a 4-week program designed to empower business owners, professionals, and families to help confidently accumulate and manage their personal, inherited and retirement wealth.

After completing this 4-week program, our mission is that each participant will be confident, knowledgeable and prepared to meet with a financial advisor. Each participant will have a clearer understanding of 401(k) plans, tax-free strategies utilizing insurance, principal-protected pensions and knowing the differences between traditional and Roth IRAs.

These classes will equip participants with the strategies and tools to build and preserve generational wealth with confidence and purpose. Therefore, enabling them to move from where they are today to where they aspire to be – “Education is the passport to the future, for Tomorrow belongs to the people that prepares for it Today!”

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Navigating Retirement Plans for Professionals and Small Businesses

In this session, we will explore the tax benefits of SECURE ACT 2.0 that is beneficial towards professionals and small business owners. We will also discuss and compare company sponsored 401(k) plans, Individual 401(k) plans and SEP IRAs. Participants will gain a clear understanding of how to choose, set up, and maximize the right retirement vehicles based on their income, business structure, and long-term goals.

With the unique needs of entrepreneurs and professionals in mind, this class will provide practical strategies to reduce tax liabilities, increase retirement savings, and understanding of tax laws as they apply to 401(k) plans.

Secrets to a Tax-Free Lifestyle – Unlocking the Power of Insurance

This session goes beyond the traditional view of life insurance as merely a death benefit. It is designed to help business owners, professionals and families understand how to use insurance as a smart, strategic asset that supports both their short and long-term goals, while minimizing tax strategies at every stage. Participants will uncover how certain types of permanent life insurance—such as Indexed Universal Life (IUL) can serve as a powerful tax-advantaged asset while you are still living. We will explore how these policies: o accumulate cash tax-free (IRC Sec 72e) o provide access to cash tax-free (IRC Sec 7702) o transfers to the next generation tax-free (IRC 101a)

The Future of Retirement – Designing Personalized Pensions Through Principal Protection

In this session, participants will discover how to create a personalized pension plan that emphasizes principal protection and guaranteed income. We will discuss how tools like Registered Indexed Linked Annuities and other low-risk financial vehicles can help preserve capital, generate predictable lifetime income, and provide peace of mind—without experiencing the volatility of the stock market. This session is ideal for individuals and business owners who want to take control of their retirement future with strategies that reduce risk, protect savings, and ensure long-term financial stability.

The Power of Choice – Pay Now or Pay Later: Understanding the Difference Between a Traditional versus Roth IRA

This session will break down the key differences between Traditional and Roth IRAs, helping participants make informed decisions about when and how to pay taxes on their retirement savings. We will explore and compare the benefits, limitations, and tax implications of each option—whether it is best to defer taxes now with a Traditional IRA or pay taxes up front with a Roth IRA for potentially tax-free income later. Attendees will gain clarity on income limits, contribution rules, withdrawal strategies, and how each account type fits into a broader retirement plan. This session will help empower individuals to choose the retirement path that aligns most efficiently with their current financial situation and long-term goals.

The Wealth Empowerment Experience

Black Diamond Financial (BDF) specializes in empowering business owners, professionals and families to help confidently, accumulate and manage their personal, inherited and retirement wealth. At Black Diamond Financial we believe in “innovative thinking” in our approach to investing and preserving wealth.

We also make it our responsibility to understand our client’s needs, wants and long-term goals so that we can implement strategies designed to address their personal and professional endeavors. As a Chartered Retirement Plans Specialist (CRPS), BDF’s founder, Lawrance Johnson brings exceptional skills as it relates to retirement and wealth management. He earned an MBA in Finance from Golden Gate University and a holds BA in Accounting from Texas Christian University.

Over the past 15+ years, Lawrance has built a solid foundation in financial advising through his roles at JP Morgan Chase and Wells Fargo Advisors. Today, with over 39 years of experience in the fields of banking, accounting and financial planning he leverages that experience now as an Independent Financial Advisor who educates and empowers the community. Through our Wealth Empowerment Experience, BDF provide Financial Literacy, Trusted Advice and Exceptional Service, as we help our clients eliminate Risk, Fees and Taxes.