https://www.spreaker.com/podcast/retirement-dna--6619137enEducationAaron Johnsonhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/7ba7e96e3468d0e3e158f7a59a651962.jpghttps://www.spreaker.com/podcast/retirement-dna--6619137Thu, 05 Mar 2026 22:12:39 +0000Aaron JohnsonAaron Johnsonajohnson@bridgerfinancialservices.comDuane and Aaron Johnson are co-founders of Bridger Financial Services.cleanepisodichttps://www.spreaker.com/episode/episode-41-a-conversation-regarding-taxes-in-2026--70487331https://api.spreaker.com/episode/70487331Thu, 05 Mar 2026 22:12:15 +0000Aaron JohnsonWe sit down with our own Enrolled Agent, Valarie Lukacsffi and talk about what taxes might look like for 2026 and going forward. Listen in as Valarie updates you on the One Big Beautiful Bill, changes with deductions and what you might need to pay...791cleanfullhttps://www.spreaker.com/episode/episode-40-a-conversation-about-tax--66003939

• 2025 Tax Updates: So far, there have been no major tax law changes for 2025.
• Retirement Contribution Limits: IRA contribution limits remain the same, while 401(k) and SEP IRA contribution limits have increased.
• Taxes on Social Security: Taxes on Social Security benefits will most likely remain. There is hope that the income brackets will eventually be adjusted for inflation, as they have not been updated since the 1980s.
• Rental Property Tax Considerations: If you own rental properties, be sure to take advantage of depreciation deductions and understand depreciation recapture when the property is sold.
• Tax Planning Strategies: Strategies such as tax-loss harvesting in non-IRA accounts and Roth conversions can help reduce taxes in the future.

]]>ec65b018-55be-44fb-ba0c-6fa8e1fed251Tue, 21 Jan 2025 21:25:00 +0000Aaron JohnsonTakeaways: - 2025 Tax Updates: So far, there have been no major tax law changes for 2025. - Retirement Contribution Limits: IRA contribution limits remain the same, while 401(k) and SEP IRA contribution limits have increased. - Taxes on Social...

• 2025 Tax Updates: So far, there have been no major tax law changes for 2025.
• Retirement Contribution Limits: IRA contribution limits remain the same, while 401(k) and SEP IRA contribution limits have increased.
• Taxes on Social Security: Taxes on Social Security benefits will most likely remain. There is hope that the income brackets will eventually be adjusted for inflation, as they have not been updated since the 1980s.
• Rental Property Tax Considerations: If you own rental properties, be sure to take advantage of depreciation deductions and understand depreciation recapture when the property is sold.
• Tax Planning Strategies: Strategies such as tax-loss harvesting in non-IRA accounts and Roth conversions can help reduce taxes in the future.

]]>973cleanfullhttps://www.spreaker.com/episode/episode-39-the-debt-ceiling-and-what-it-means-for-americans--66003942890697dc-5fc3-43f0-b3f9-3c3c03758b81Fri, 13 Oct 2023 06:00:00 +0000Aaron Johnson1.      There are 3 potential ways to balance the US Budget and start to pay off debt. 2.      2. Soon the U.S. will be spending more on interest on our than we will spend on any other program. 3.      3. The math doesn’t work out to only raise taxes...1032clean139fullhttps://www.spreaker.com/episode/episode-38-how-to-stop-stressing-over-money-and-start-enjoying-retirement--66003951

Take intermittent steps into retirement. Go part-time, then retire.

Work with a financial planner that will look holistically at your income and assets.

If you don’t have a pension, be sure you have a strategy for taking Social Security. That may include taking it early or waiting until after FRA.

Have your adviser run different scenarios so you can see the difference with taxes, income and how your assets are used.

]]>c917d78c-5db5-41dc-83de-1a719d5abd05Fri, 29 Sep 2023 06:00:00 +0000Aaron Johnson - Take intermittent steps into retirement. Go part-time, then retire. - Work with a financial planner that will look holistically at your income and assets. - If you don’t have a pension, be sure you have a strategy for taking Social Security....

Take intermittent steps into retirement. Go part-time, then retire.

Work with a financial planner that will look holistically at your income and assets.

If you don’t have a pension, be sure you have a strategy for taking Social Security. That may include taking it early or waiting until after FRA.

Have your adviser run different scenarios so you can see the difference with taxes, income and how your assets are used.

]]>622clean138fullhttps://www.spreaker.com/episode/episode-37-why-you-should-separate-income-and-growth--66003954

The traditional way of investing doesn’t work. Research proves it It only works in up markets.

Your income bucket should last 12+ years.

It’s important to keep your income bucket away from your growth bucket. You can’t have your safe bucket going negative due to the market.

]]>71a6f5ea-edd9-45e2-bbf3-c81f9e8a10d1Fri, 26 May 2023 06:00:00 +0000Aaron Johnson - The traditional way of investing doesn’t work. Research proves it It only works in up markets. - Your income bucket should last 12+ years. - It’s important to keep your income bucket away from your growth bucket. You can’t have your safe bucket...

The traditional way of investing doesn’t work. Research proves it It only works in up markets.

Your income bucket should last 12+ years.

It’s important to keep your income bucket away from your growth bucket. You can’t have your safe bucket going negative due to the market.

]]>1065clean137fullhttps://www.spreaker.com/episode/episode-36-how-to-increase-your-confidence-through-retirement--66003945

Only about 25% of Americans have been able to reach this goal.

A traditional balanced portfolio no longer works according to JPMorgan and Goldman Sachs studies.

Add in some guaranteed products, like annuities. Even the big Wall Street firms like Goldman Sachs, Fidelity, and Morgan Stanley are starting to see the value in them.

Make sure you are talking to an adviser who specializes in retirement income planning and has the freedom to pick and choose products that are right fit for you.

]]>2ab8c626-94d2-4724-953c-9f6fa444e619Fri, 05 May 2023 06:00:00 +0000Aaron Johnson - Only about 25% of Americans have been able to reach this goal. - A traditional balanced portfolio no longer works according to JPMorgan and Goldman Sachs studies. - Add in some guaranteed products, like annuities. Even the big Wall Street firms...

Only about 25% of Americans have been able to reach this goal.

A traditional balanced portfolio no longer works according to JPMorgan and Goldman Sachs studies.

Add in some guaranteed products, like annuities. Even the big Wall Street firms like Goldman Sachs, Fidelity, and Morgan Stanley are starting to see the value in them.

Make sure you are talking to an adviser who specializes in retirement income planning and has the freedom to pick and choose products that are right fit for you.

]]>614clean136fullhttps://www.spreaker.com/episode/episode-35-how-to-retire-and-aim-for-the-same-standard-of-living--66003958c1ad6c24-ebdb-44ce-8de0-a601a14aa057Fri, 31 Mar 2023 06:00:00 +0000Aaron Johnson1.      Only about 25% of Americans are able to reach this goal. 2.      A traditional balanced portfolio no longer works according to JPMorgan and Goldman Sachs studies. 3.      If you add in guarantees to your portfolio, you can still take the 4%...712clean135fullhttps://www.spreaker.com/episode/episode-34-the-secure-act-2-0--66003943

Required Minimum Distribution changes to age 73 and will move to age 75 in 2033.

The Required Minimum Distribution penalty of 50% decreased to 25% and possibly down to 10%.

Catch-Up contributions have increased and will increase even further for those 60-63 in 2024.

529’s that have remaining balances can now be rolled to a Roth IRA for the beneficiary.

There is still clarification on some things coming down the pike.

]]>44fa2100-5b3c-49d1-b06d-ee68c655f9c8Wed, 18 Jan 2023 07:00:00 +0000Aaron Johnson - Required Minimum Distribution changes to age 73 and will move to age 75 in 2033. - The Required Minimum Distribution penalty of 50% decreased to 25% and possibly down to 10%. - Catch-Up contributions have increased and will increase even further...

Required Minimum Distribution changes to age 73 and will move to age 75 in 2033.

The Required Minimum Distribution penalty of 50% decreased to 25% and possibly down to 10%.

Catch-Up contributions have increased and will increase even further for those 60-63 in 2024.

529’s that have remaining balances can now be rolled to a Roth IRA for the beneficiary.

There is still clarification on some things coming down the pike.

]]>879clean134fullhttps://www.spreaker.com/episode/episode-33-three-opportunities-in-today-s-market--66003966

Remember the 3 – legged stool? The pension leg has gone away. Maybe you can create your own now.

Safe money on the sidelines has been earning nothing. Now might be a good time for the next few years for a CD Alternative or a short-term, high quality fixed income portfolio.

Are you taking advantage of tax harvesting? If not, you should be. Has your advisor talked to you about your non-IRA account?

Roth IRA Conversions. We talk about this a lot I know. But the market is down, when it comes back all those gains could be tax free. This year it’s too late, but the market will still be down early 2023.

]]>3247903f-a698-40e1-981e-dcf91c3447aaFri, 30 Dec 2022 07:00:00 +0000Aaron Johnson - Remember the 3 – legged stool? The pension leg has gone away. Maybe you can create your own now. - Safe money on the sidelines has been earning nothing. Now might be a good time for the next few years for a CD Alternative or a short-term, high...

Remember the 3 – legged stool? The pension leg has gone away. Maybe you can create your own now.

Safe money on the sidelines has been earning nothing. Now might be a good time for the next few years for a CD Alternative or a short-term, high quality fixed income portfolio.

Are you taking advantage of tax harvesting? If not, you should be. Has your advisor talked to you about your non-IRA account?

Roth IRA Conversions. We talk about this a lot I know. But the market is down, when it comes back all those gains could be tax free. This year it’s too late, but the market will still be down early 2023.

]]>1203clean133fullhttps://www.spreaker.com/episode/episode-32-how-to-win-when-the-market-is-down--66003974

If things look bad, don’t freeze with indecision, come talk with us

Don’t be afraid to make a change, even it if means paying taxes

Sometimes you have to make a change to rescue your retirement

Make sure you have a way to limit losses

Base your retirement on math and not the markets

 ]]>b27cd6db-177a-4401-aa57-6910b483c2a1Tue, 15 Nov 2022 07:00:00 +0000Aaron Johnson - If things look bad, don’t freeze with indecision, come talk with us - Don’t be afraid to make a change, even it if means paying taxes - Sometimes you have to make a change to rescue your retirement - Make sure you have a way to limit losses -...

If things look bad, don’t freeze with indecision, come talk with us

Don’t be afraid to make a change, even it if means paying taxes

Sometimes you have to make a change to rescue your retirement

Make sure you have a way to limit losses

Base your retirement on math and not the markets

 ]]>1283clean132fullhttps://www.spreaker.com/episode/episode-31-the-power-of-zero--66003947

Knowing the average return of a portfolio doesn’t tell the whole story.

You don’t have to have great returns to end up in a really good place.

Bonds are the go-to safe haven for the stock market, but where do you go when bonds are down more than some stocks?

How are you hedging your portfolio? How are you combining good return potential and risk hedging?

]]>474fdf75-aed4-44f5-938c-0fbcb6845a00Fri, 07 Oct 2022 06:00:00 +0000Aaron Johnson - Knowing the average return of a portfolio doesn’t tell the whole story. - You don’t have to have great returns to end up in a really good place. - Bonds are the go-to safe haven for the stock market, but where do you go when bonds are down more...

Knowing the average return of a portfolio doesn’t tell the whole story.

You don’t have to have great returns to end up in a really good place.

Bonds are the go-to safe haven for the stock market, but where do you go when bonds are down more than some stocks?

How are you hedging your portfolio? How are you combining good return potential and risk hedging?

]]>583clean131fullhttps://www.spreaker.com/episode/episode-30-reasons-to-start-social-security-early-takeaways--66003950

Everyone’s situation is different. What’s right for you may not be right for someone else.

Be sure to run the numbers. Know when your breakeven age is.

Your reason might be a good one to start early, but does it make the most financial sense?

 ]]>f0475007-7f91-42c2-809b-8371c8d47eb6Fri, 09 Sep 2022 06:00:00 +0000Aaron Johnson - Everyone’s situation is different. What’s right for you may not be right for someone else. - Be sure to run the numbers. Know when your breakeven age is. - Your reason might be a good one to start early, but does it make the most financial...

Everyone’s situation is different. What’s right for you may not be right for someone else.

Be sure to run the numbers. Know when your breakeven age is.

Your reason might be a good one to start early, but does it make the most financial sense?

 ]]>641clean130fullhttps://www.spreaker.com/episode/episode-29-diversify-tax-efficiently-and-cash-alternatives--66003981

Set a capital gains tax budget

Work with someone that will tax loss harvest

Don’t be afraid to sell the losers

If you have cash on the sideline waiting for rates to go up, we have other options for you!

]]>6e818f3c-fc05-4269-b61a-edceaedf7c10Fri, 05 Aug 2022 12:00:00 +0000Aaron Johnson - Set a capital gains tax budget - Work with someone that will tax loss harvest - Don’t be afraid to sell the losers - If you have cash on the sideline waiting for rates to go up, we have other options for you!

Set a capital gains tax budget

Work with someone that will tax loss harvest

Don’t be afraid to sell the losers

If you have cash on the sideline waiting for rates to go up, we have other options for you!

]]>775clean129fullhttps://www.spreaker.com/episode/episode-28-3-biggest-retirement-fears--66003946

Three biggest fears: Out living their money, Health Care and rising taxes.

Don’t be so paralyzed with fear that you keep working when you don’t have to and don’t want to.

Work with an advisor that is going to address the whole retirement picture and shows you HOW you can retire.

]]>1665cbc6-5b01-4896-bc4d-1f8ccbdbc745Thu, 21 Jul 2022 06:00:00 +0000Aaron Johnson - Three biggest fears: Out living their money, Health Care and rising taxes. - Don’t be so paralyzed with fear that you keep working when you don’t have to and don’t want to. - Work with an advisor that is going to address the whole retirement...

Three biggest fears: Out living their money, Health Care and rising taxes.

Don’t be so paralyzed with fear that you keep working when you don’t have to and don’t want to.

Work with an advisor that is going to address the whole retirement picture and shows you HOW you can retire.

]]>994clean128fullhttps://www.spreaker.com/episode/episode-27-what-are-retirement-risks--66003953

Your retirement plan must address, longevity, healthcare, inflation, taxes and investments.

The conventional “Balanced Portfolio” is not going to work.

Just one market drop of 20% or more in the first 10 years can have drastic consequences.

Make sure you work with an advisor that SHOWS you how you are going to be ok in retirement.

]]>47f81d3d-ca3e-4825-b924-fcdda702a8a4Fri, 10 Jun 2022 06:00:00 +0000Aaron Johnson - Your retirement plan must address, longevity, healthcare, inflation, taxes and investments. - The conventional “Balanced Portfolio” is not going to work. - Just one market drop of 20% or more in the first 10 years can have drastic consequences....

Your retirement plan must address, longevity, healthcare, inflation, taxes and investments.

The conventional “Balanced Portfolio” is not going to work.

Just one market drop of 20% or more in the first 10 years can have drastic consequences.

Make sure you work with an advisor that SHOWS you how you are going to be ok in retirement.

]]>901clean127fullhttps://www.spreaker.com/episode/episode-26-why-you-may-need-to-update-your-plan--66003957

If your advisor doesn’t show you How you are good and set for retirement, then you probably aren’t.

If your advisor just talks about how you have a 60/40 portfolio and says you’re good and set for retirement, you probably aren’t.

What happens if markets don’t cooperate during retirement? Is there a plan for that?

Don’t base your retirement income on the market, base it on math.

]]>6c9df151-333d-4dc2-8e69-76709f8a9b41Fri, 13 May 2022 06:00:00 +0000Aaron Johnson - If your advisor doesn’t show you How you are good and set for retirement, then you probably aren’t. - If your advisor just talks about how you have a 60/40 portfolio and says you’re good and set for retirement, you probably aren’t. - What...

If your advisor doesn’t show you How you are good and set for retirement, then you probably aren’t.

If your advisor just talks about how you have a 60/40 portfolio and says you’re good and set for retirement, you probably aren’t.

What happens if markets don’t cooperate during retirement? Is there a plan for that?

Don’t base your retirement income on the market, base it on math.

]]>774clean126fullhttps://www.spreaker.com/episode/episode-25-is-retirement-tax-free--66003956

Truth is, you may be in a higher tax bracket than when you were working.

If you are still working, maybe you shouldn’t be following “conventional wisdom”.

There are strategies that can be started now to save on taxes in retirement.

Tax Planning needs to be a major part of your Retirement Plan.

]]>59a7c200-a808-478a-885b-e33ac52e83bfThu, 14 Apr 2022 06:00:00 +0000Aaron Johnson - Truth is, you may be in a higher tax bracket than when you were working. - If you are still working, maybe you shouldn’t be following “conventional wisdom”. - There are strategies that can be started now to save on taxes in retirement. - Tax...

Truth is, you may be in a higher tax bracket than when you were working.

If you are still working, maybe you shouldn’t be following “conventional wisdom”.

There are strategies that can be started now to save on taxes in retirement.

Tax Planning needs to be a major part of your Retirement Plan.

]]>731clean125fullhttps://www.spreaker.com/episode/episode-24-the-three-levels-of-advisors-and-how-they-are-different--66003959

Which level of advisor are you currently using?

What areas of planning does your advisor cover?

Is your advisor addressing your planning needs?

A good retirement plan covers more than just investments. It included taxes, health care, risk management and estate planning.

 ]]>e964c940-5946-42ae-a029-24d200538c4fMon, 21 Mar 2022 06:00:00 +0000Aaron Johnson - Which level of advisor are you currently using? - What areas of planning does your advisor cover? - Is your advisor addressing your planning needs? - A good retirement plan covers more than just investments. It included taxes, health care, risk...

Which level of advisor are you currently using?

What areas of planning does your advisor cover?

Is your advisor addressing your planning needs?

A good retirement plan covers more than just investments. It included taxes, health care, risk management and estate planning.

 ]]>1300clean124fullhttps://www.spreaker.com/episode/episode-23-why-you-should-pay-tax-now-instead-of-later--66003986

Look at your accounts with your Reality Glasses on

Understand that the amount you see on your 401(k)/IRA statement isn’t all yours

Make smart long term tax decisions

Know the difference in tax between converting all at once or over a certain time period

Have us run a Roth Conversion calculation for you

   ]]>a3c22d6b-eff4-4a0f-9717-edbe726e2de3Fri, 14 Jan 2022 07:00:00 +0000Aaron Johnson - Look at your accounts with your Reality Glasses on - Understand that the amount you see on your 401(k)/IRA statement isn’t all yours - Make smart long term tax decisions - Know the difference in tax between converting all at once or over a...

Look at your accounts with your Reality Glasses on

Understand that the amount you see on your 401(k)/IRA statement isn’t all yours

Make smart long term tax decisions

Know the difference in tax between converting all at once or over a certain time period

Have us run a Roth Conversion calculation for you

   ]]>1009clean123fullhttps://www.spreaker.com/episode/episode-22-pay-less-tax--66003960

Make sure you know what your tax liability looks like in retirement.

Your RMD’s can cause the tax you pay to go up on all other sources of income.

Would a Roth IRA conversion or special designed life insurance benefit you?

Have a Roth IRA conversion calculation done for you.

 ]]>e4d94cf0-f4b2-468b-b7c5-551fbd9dacc7Wed, 17 Nov 2021 07:00:00 +0000Aaron JohnsonTakeaways: - Make sure you know what your tax liability looks like in retirement. - Your RMD’s can cause the tax you pay to go up on all other sources of income. - Would a Roth IRA conversion or special designed life insurance benefit you? - Have...

Make sure you know what your tax liability looks like in retirement.

Your RMD’s can cause the tax you pay to go up on all other sources of income.

Would a Roth IRA conversion or special designed life insurance benefit you?

Have a Roth IRA conversion calculation done for you.

 ]]>954clean122fullhttps://www.spreaker.com/episode/episode-21-don-t-ignore-life-insurance--66003962

Know your protection needs for the unknown.

Life insurance is a useful tool in retirement if done correctly.

Better to be overinsured than underinsured.

 ]]>105abb7e-febd-4d45-8a0f-e17195a0fca2Fri, 22 Oct 2021 06:00:00 +0000Aaron JohnsonTakeaways: - Know your protection needs for the unknown. - Life insurance is a useful tool in retirement if done correctly. - Better to be overinsured than underinsured.  

Know your protection needs for the unknown.

Life insurance is a useful tool in retirement if done correctly.

Better to be overinsured than underinsured.

 ]]>614clean121fullhttps://www.spreaker.com/episode/episode-20-achieving-financial-success--66003987

Work with a holistic planner.

Manage money in an asymmetrical way.

Plan for taxes in the future, not just now.

Make sure you have planned for the unknown.

]]>f09c6f60-e8a1-4c4c-8f05-a0dec51fce68Mon, 27 Sep 2021 06:00:00 +0000Aaron Johnson - Work with a holistic planner. - Manage money in an asymmetrical way. - Plan for taxes in the future, not just now. - Make sure you have planned for the unknown.

Work with a holistic planner.

Manage money in an asymmetrical way.

Plan for taxes in the future, not just now.

Make sure you have planned for the unknown.

]]>566clean120fullhttps://www.spreaker.com/episode/episode-19-how-will-taxes-impact-your-investments--66003965

Know the types of accounts you have and how they will be taxed.

Work with a holistic financial planner to look at all aspects of your plan.

Take steps now to minimize taxes in retirement.

 ]]>c416cd71-d381-45ca-a6aa-4f9a2aca301eTue, 24 Aug 2021 06:00:00 +0000Aaron Johnson - Know the types of accounts you have and how they will be taxed. - Work with a holistic financial planner to look at all aspects of your plan. - Take steps now to minimize taxes in retirement.  

Know the types of accounts you have and how they will be taxed.

Work with a holistic financial planner to look at all aspects of your plan.

Take steps now to minimize taxes in retirement.

 ]]>885clean119fullhttps://www.spreaker.com/episode/episode-18-when-should-i-take-social-security--66003948

Have a realistic idea of your life expectancy.

Start to get a feel for what you spend each month.

Know what your other assets are and how they will generate income for you.

Know the amounts of your Social Security benefit at your different ages.

Get objective help from an advisor to help evaluate your overall situation.

]]>03555914-9ed3-4cde-bc90-f64c6d41427fThu, 29 Jul 2021 06:00:00 +0000Aaron Johnson - Have a realistic idea of your life expectancy. - Start to get a feel for what you spend each month. - Know what your other assets are and how they will generate income for you. - Know the amounts of your Social Security benefit at your...

Have a realistic idea of your life expectancy.

Start to get a feel for what you spend each month.

Know what your other assets are and how they will generate income for you.

Know the amounts of your Social Security benefit at your different ages.

Get objective help from an advisor to help evaluate your overall situation.

]]>995clean118fullhttps://www.spreaker.com/episode/episode-17-two-retirements-two-outcomes--66003972

Have goals and plan for them.

Create an asset allocation that will give you steady stable income.

It’s about the math and not the markets.

Make sure your plan can withstand the losses of the market.

 ]]>4f886cf7-21ce-448f-b3f1-80cbc50c6ebaFri, 09 Jul 2021 06:00:00 +0000Aaron Johnson - Have goals and plan for them. - Create an asset allocation that will give you steady stable income. - It’s about the math and not the markets. - Make sure your plan can withstand the losses of the market.  

Have goals and plan for them.

Create an asset allocation that will give you steady stable income.

It’s about the math and not the markets.

Make sure your plan can withstand the losses of the market.

 ]]>586clean117fullhttps://www.spreaker.com/episode/episode-16-should-i-pay-off-my-mortgage--66003949

Have a goal and plan for it.

It’s all about BALANCE.

Do the math.

 ]]>7077a636-b1c1-470a-b2e4-83aa5a440c43Fri, 18 Jun 2021 06:00:00 +0000Aaron Johnson - Have a goal and plan for it. - It’s all about BALANCE. - Do the math.  

Have a goal and plan for it.

It’s all about BALANCE.

Do the math.

 ]]>777clean116fullhttps://www.spreaker.com/episode/episode-15-mutual-funds-and-etf-s--66003976

Both are diversified stock or bond portfolios.

Both can easily be purchased.

ETF’s are more tax efficient.

ETF’s offer greater transparency.

 ]]>04308c04-2d47-4d99-a9ef-23c0f9bd4aebThu, 06 May 2021 06:00:00 +0000Aaron Johnson - Both are diversified stock or bond portfolios. - Both can easily be purchased. - ETF’s are more tax efficient. - ETF’s offer greater transparency.  

Both are diversified stock or bond portfolios.

Both can easily be purchased.

ETF’s are more tax efficient.

ETF’s offer greater transparency.

 ]]>1098clean115fullhttps://www.spreaker.com/episode/episode-14-how-much-money-do-i-need-to-retire--66003990

Know your cash flow.

Make sure you don’t have lazy investments

What withdrawal rate will provide what you need and last your lifetime?

Everyone is different. You need a custom retirement plan that encompasses Investments, Taxes, Income, Inflation, and your legacy.

]]>e841d2ef-8aa7-44b6-8616-979a60296e7dFri, 16 Apr 2021 06:00:00 +0000Aaron Johnson - Know your cash flow. - Make sure you don’t have lazy investments - What withdrawal rate will provide what you need and last your lifetime? - Everyone is different. You need a custom retirement plan that encompasses Investments, Taxes, Income,...

Know your cash flow.

Make sure you don’t have lazy investments

What withdrawal rate will provide what you need and last your lifetime?

Everyone is different. You need a custom retirement plan that encompasses Investments, Taxes, Income, Inflation, and your legacy.

]]>974clean114fullhttps://www.spreaker.com/episode/episode-13-the-spousal-tax-trap--66003969

The Filing Single tax bracket is the highest current tax rate.

When a spouse passes away, they get moved to the Filing Single tax bracket

Strategies used to lessen the burden of taxes now and later.

]]>776d6b0c-4919-48ea-893c-26152ae99e7dFri, 26 Mar 2021 06:00:00 +0000Aaron Johnson - The Filing Single tax bracket is the highest current tax rate. - When a spouse passes away, they get moved to the Filing Single tax bracket - Strategies used to lessen the burden of taxes now and later.

The Filing Single tax bracket is the highest current tax rate.

When a spouse passes away, they get moved to the Filing Single tax bracket

Strategies used to lessen the burden of taxes now and later.

]]>726clean113fullhttps://www.spreaker.com/episode/episode-12-rmd-s-in-2021--66003979

RMD age moved to age 72.

How to calculate RMD’s

Strategies to lower your RMD.

]]>945e2d51-ce18-4291-8dc0-6ffa8901cf20Mon, 08 Mar 2021 07:00:00 +0000Aaron Johnson - RMD age moved to age 72. - How to calculate RMD’s - Strategies to lower your RMD.

RMD age moved to age 72.

How to calculate RMD’s

Strategies to lower your RMD.

]]>805clean112fullhttps://www.spreaker.com/episode/episode-11-asset-location-and-the-role-it-plays-in-portfolio-success--66003983

Asset location is just as important as Asset allocation.

Pay attention to what assets are in your different accounts.

Is a canned portfolio ok for you or do you need a customized investment plan?

]]>085492a8-0460-4531-8aab-ba68153bd189Mon, 22 Feb 2021 07:00:00 +0000Aaron Johnson - Asset location is just as important as Asset allocation. - Pay attention to what assets are in your different accounts. - Is a canned portfolio ok for you or do you need a customized investment plan?

Asset location is just as important as Asset allocation.

Pay attention to what assets are in your different accounts.

Is a canned portfolio ok for you or do you need a customized investment plan?

]]>696clean111fullhttps://www.spreaker.com/episode/episode-10-will-the-election-affect-my-financial-plan--66003984

Review the risk you are taking in your investment portfolio

Get a Roth Conversion Review done

Review your Income Plan

]]>da24134d-c10a-4c48-a550-aaa481672e4fFri, 11 Dec 2020 14:15:39 +0000Aaron Johnson - Review the risk you are taking in your investment portfolio - Get a Roth Conversion Review done - Review your Income Plan

Review the risk you are taking in your investment portfolio

Get a Roth Conversion Review done

Review your Income Plan

]]>1699clean110fullhttps://www.spreaker.com/episode/episode-9-why-ira-s-are-bad-during-retirement--66003968

Every dollar is taxed

Distributions can impact the tax you pay on other income

Required to pull money out

Worst type of account to pass to surviving spouses

No control over taxes paid or how much tax is paid

]]>4ecb8456-4092-44aa-a61e-d97ea7e44d59Fri, 04 Sep 2020 10:00:00 +0000Aaron Johnson - Every dollar is taxed - Distributions can impact the tax you pay on other income - Required to pull money out - Worst type of account to pass to surviving spouses - No control over taxes paid or how much tax is paid

Every dollar is taxed

Distributions can impact the tax you pay on other income

Required to pull money out

Worst type of account to pass to surviving spouses

No control over taxes paid or how much tax is paid

]]>951clean19fullhttps://www.spreaker.com/episode/episode-8-four-things-to-check-now--66003971

Review of Expenses – Current and Future

Review Your Assets

Know the Risk You Are Taking

Do You Have an Income Gap?

]]>5707bef8-6feb-49f4-a008-0f672205fa36Tue, 18 Aug 2020 12:00:00 +0000Aaron Johnson - Review of Expenses – Current and Future - Review Your Assets - Know the Risk You Are Taking - Do You Have an Income Gap?

Review of Expenses – Current and Future

Review Your Assets

Know the Risk You Are Taking

Do You Have an Income Gap?

]]>790clean18fullhttps://www.spreaker.com/episode/episode-7-the-secure-act--66003973

Age change for starting RMD’s.

Contribution age change.

Guaranteed Income rider options in 401(k)’s now.

Exceptions for the early withdrawal penalty.

Withdrawal changes for 529 accounts.

]]>7cdf2fa9-e3ef-40e8-92ae-eef64deb20e0Fri, 22 May 2020 13:27:28 +0000Aaron Johnson - Age change for starting RMD’s. - Contribution age change. - Guaranteed Income rider options in 401(k)’s now. - Exceptions for the early withdrawal penalty. - Withdrawal changes for 529 accounts.

Age change for starting RMD’s.

Contribution age change.

Guaranteed Income rider options in 401(k)’s now.

Exceptions for the early withdrawal penalty.

Withdrawal changes for 529 accounts.

]]>548clean17fullhttps://www.spreaker.com/episode/episode-6-personal-benchmark--66003991

Financial success is not just about adding $0’s to your net worth.

Investing comes down to two things. Opportunity and Risk.

Having your own benchmark can help with market stress during volatile periods.

]]>e6c8900f-8ad7-48db-a1e2-5432b00505fdTue, 19 May 2020 13:41:29 +0000Aaron Johnson - Financial success is not just about adding $0’s to your net worth. - Investing comes down to two things. Opportunity and Risk. - Having your own benchmark can help with market stress during volatile periods.

Financial success is not just about adding $0’s to your net worth.

Investing comes down to two things. Opportunity and Risk.

Having your own benchmark can help with market stress during volatile periods.

]]>300clean16fullhttps://www.spreaker.com/episode/episode-5-investment-planning--66003952089488f1-b3f3-4066-9b9b-f0d3b754c07cFri, 13 Dec 2019 10:00:00 +0000Aaron JohnsonDuane and Aaron Johnson talk about the important aspects in investment planning.912clean15fullhttps://www.spreaker.com/episode/episode-4-estate-planning--6600396126ee956a41984938b7d5bbcf6a920eb2Fri, 18 Oct 2019 14:58:09 +0000Aaron JohnsonDuane and Aaron Johnson talk about the important elements of estate planning.1298clean14fullhttps://www.spreaker.com/episode/episode-3-tax-planning--660039647355d60b6caf434aa224cdc09be687c3Fri, 23 Aug 2019 14:09:15 +0000Aaron JohnsonDuane and Aaron Johnson talk about the important elements of tax planning.1056clean13fullhttps://www.spreaker.com/episode/episode-2-income-planning--66003989c621c641948f46c5b8e34e29298581faWed, 14 Aug 2019 13:00:10 +0000Aaron JohnsonDuane and Aaron Johnson talk about the important elements of income planning.946clean12fullhttps://www.spreaker.com/episode/episode-1-intro-to-duane-johnson-group--66003992c7af3130044a40bba2a2b787971f0987Wed, 24 Jul 2019 16:05:49 +0000Aaron JohnsonDuane and Aaron Johnson talk about who they are and what they do.655clean11full