Bank of Oklahoma

Despite often facing barriers such as limited access to credit, Hispanic-owned small businesses are experiencing tremendous growth. "Hispanic-owned businesses are a huge economic powerhouse and contribute more than $800 billion to the American economy annually. This demographic is also three times more likely to open a business than the general population," said Jhoanna Astudillo, BOK Financial® Hispanic segment leader. Learn how this benefits the overall economy: https://ow.ly/VOWT50X2qqw

If you're heading into your 70s, now is the time to start thinking about required minimum distributions (RMDs), especially with changes happening from this summer's passage of the One Big Beautiful Bill Act. "RMDs may be mandatory, but how you prepare for them isn't," said Brendan Burke, a financial planner at BOK Financial®. "Working with a financial advisor who can help you map out a multi-year strategy that will help you make the most of today's tax rules and preserve more for the people and causes you care about." Learn what you need to know about RMDs, taxes and your money, and how to make the most of them. #RetirementPlanning #OneBigBeautifulBill #FinancialPlanningmonth

Did you know men statistically pass away years earlier than women? For couples, that could mean a husband needing long-term care in later years may need to spend the couple's entire assets, with nothing left for her. https://ow.ly/W26P50X9uBP "It's not a pleasant topic to plan for, but women tend to take care of everyone around them and then neglect themselves. It's something I encourage my clients to consider in their estate planning," said Chrisanna Elser, MS, CFP®, MPAS®, RICP®, NSSA®, financial planning quality assurance specialist at BOK Financial®. Learn more about how to protect assets for both spouses in case long-term care needs in our webinar on November 6. Registration details coming soon. #WomenandWealth #EstatePlanning #FinancialPlanningMonth

You may have heard about the recent GENIUS Act that regulates digital assets. But what does it mean? “The GENIUS Act creates a regulated category for payment stablecoins and spells out the safeguards—such as reserve requirements, transparency standards and compliance obligations—that issuers must meet,” said Clint Dishman, CFA, director of the Strategic Investment Advisors group at BOK Financial®. Dishman sat down for a Q&A to explain what it may mean for you and the future of stablecoins. https://ow.ly/Xj2I50X13XA

When buying a home, prequalification may not be enough to seal the deal, especially when there are bids from those who are pre-approved. “Pre-approval is becoming the new standard,” said David Hyde, regional home loans manager at BOK Financial Mortgage®. “For many homebuyers, we’re reviewing credit, income and assets up front and arming them with a pre-approval letter, so the only thing missing is the house.” Learn the difference between prequalification and pre-approval so you can jump on your dream home when you find it: https://ow.ly/hMB450X7ZiH #househunting #preapprovaltips

You hear the familiar ding of your phone and check your text messages. A toll road fee? When did you do that? While you might mindlessly start to pay it to avoid getting into trouble, think again. There may be bigger trouble in the form of a scam. “You may not recall if you signed up to receive text notifications from the local toll organization, so it’s important to be very cautious if you receive a message saying your account is overdue,” said Joe Rios, cyberthreat analyst at BOK Financial®. Learn what you need to know about the latest text scam making its way across the country: https://ow.ly/Xa1o50WZvPR

Q4 economic outlook: cautious optimism ahead After a rocky start to the year, the fog may start to lift from the U.S. economy in the fourth quarter due to clearer tariff policies and tax changes are supporting growth. And so, while GDP growth remains below trend and inflation persists, the worst of the uncertainty may be behind us. 👉 Explore BOK Financial CIO Brian Henderson’s full outlook for the remainder of the year: https://ow.ly/78bk50X859o #Q4Insights #CIOOutlook #MarketTrends

As the shutdown continues, stakes rise. With the White House signaling potentially permanent layoffs and strategic funding cuts, the current government shutdown could reshape federal operations in lasting ways. BOK Financial’s Steve M. Wyett, CFA and Cavanal Hill’s Matt Stephani offer insights into this evolving situation and why long-term discipline remains key for investors: https://ow.ly/lfB050X7Zj0

Bring a new energy to your home this season with our limited-time offer. 🏡Whether you're envisioning a gourmet kitchen, a spa-inspired bathroom, or enhancing curb appeal, a Home Equity Line of Credit (HELOC) offers a smart, flexible way to finance your next project. ✔️ Special fixed rate for the first 6 months ✔️ Fast access to funds ✔️ No impact to your current mortgage rate This limited-time offer is available through November 13. 🔗Learn more about how a #HELOC could support your next project: https://ow.ly/9vgj50X6C4b #HomeEquity #HomeImprovement