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Money Wisdom

Money Wisdom

Joel Johnson

Listen to Johnson Brunetti's Money Wisdom with Joel Johnson CFP®, host of Better Money Television program and Forbes Contributor. Gain true financial wisdom and advice aimed at educating you about all of your financial options when it comes to retirement so you can make the best decisions for you and your family. Get information and education that can bring you peace of mind with your savings and retirement. Whether it’s your 401(k) account, IRA, or an underperforming asset, Joel Johnson can answer your questions and make you more aware of issues that may affect you.

349 - Getting Out of Your Own Way
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  • 349 - Getting Out of Your Own Way

    Financial planning for retirement is a crucial process that requires a strategic approach to ensure long-term security. All too often, however, people will get in their own way and make mistakes that were completely avoidable. In this week’s podcast, we’re going to talk about the most common examples of this with the guidance of Eric Hogarth, CFP®.

     

    Here’s some of what we discuss in this episode:

    Getting caught up in the greed and fear cycle of the stock market and chasing more money than you need to. Why people make bad investment choices just to save money in taxes in the short-term.  People will leave too much money in cash because they put off making a decision on what to do with it. Are you overthinking your financial plan to the point that you fail to make decisions at all? Don’t blindly trust financial advice from people that aren’t financial professionals.

     

    Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

    Contact our team: https://johnsonbrunetti.com/contact-us/ 

     

     

    Fri, 22 Mar 2024 - 13min
  • 348 - Leveraging Your IRA & SEP IRA for Tax Planning

    We’re in the middle of tax season and many people are still getting their paperwork together and wondering about ways to save money on last year’s taxes. The good news is there are ways to potentially save on your taxes even though we’re in a new year, and today we’re going to talk about how with Matt Pastor, RICP® on our latest podcast. This conversation is particularly beneficial for individuals who have just realized their oversight in contributing to their Individual Retirement Account (IRA).

     

    Here’s some of what we discuss in this episode:

    Why it’s common for people to not be aware of this IRA option and what you need to know about contribution amounts. Should you put money into those retirement accounts or is it better to use elsewhere? How significant could the tax savings be over time? Where do you find the balance between liquidity and adding to retirement accounts?

     

    Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

    Contact our team: https://johnsonbrunetti.com/contact-us/ 

     

     

    Fri, 15 Mar 2024 - 11min
  • 347 - Smart Planning During Times of Career Transition

    When you find yourself amidst a career transition, be it by choice or circumstance, the path forward can seem fraught with financial uncertainty and healthcare coverage concerns. It's a time when the right advice can make a world of difference, which is why we brought Jake Dozer, CFP® onto the podcast to help navigate this stressful time.

    Whether you're considering a shift to a new industry, pondering semi-retirement, or stepping into the realm of self-employment, it's essential to have a strategy that supports both wealth and health, and we’ll cover that in this episode.

     

    Here’s some of what we discuss in this episode:

    The workforce changes we’ve seen in Connecticut over the past 18 months. The trends we’ve seen from our clients as it relates to work in retirement. Weighing the option to become self-employed. What health insurance options do you have when you’re in between jobs. Is this a good time to do a 401k rollover?

     

    Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

    Contact our team: https://johnsonbrunetti.com/contact-us/ 

     

     

    Fri, 08 Mar 2024 - 15min
  • 346 - The Good ‘Ole Days of Retirement Planning

    There were a lot of things that were different back then, for maybe past generations, than they are for people retiring today. So we're going to talk about how things are different now than they used to be.

    Gone are the days when retirees could rely solely on pensions and Social Security. Today, proactive planning is crucial for a sustainable financial future. The episode with Eric Hogarth, CFP®, highlights that Social Security was never meant to be the only source of income in retirement. With life expectancies increasing, the need for a robust strategy that accounts for a longer retirement phase is more important than ever.

     

    Here’s some of what we discuss in this episode:

    How planning has changed with pensions becoming rarer every year. As longevity increases, how does that impact Social Security and other aspects of planning? Lower interest rates on savings and fixed-income investments complicate income generation. Estate planning considerations you need to think through. Financial literacy is even more difficult as the investment landscape gets more complicated.  

     

    Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

    Contact our team: https://johnsonbrunetti.com/contact-us/ 

    Fri, 01 Mar 2024 - 15min
  • 345 - Getting Ready for Tax Season

    We have a very timely conversation today as tax season is upon us once again and getting organized is top of mind. Either you're really happy with yourself because you already got your tax return done and filed and don't have to worry about it anymore, or you're still collecting documents and just worrying about it in general. Even if you’re getting a tax refund, you might still worry about doing  taxes. It's just not a fun process for most people. So we wanted to talk with Heath Grossman, CFP®, about what you can be doing to make this tax season as smooth as possible for yourself.

     

    Here’s some of what we discuss in this episode:

    What’s the easiest way to start getting last year’s tax return together? Start thinking about what has changed from last year to this year. How does tax planning differ from tax preparation? What kind of things are you doing during the tax planning process?

     

    Check out our other free financial resources here: https://johnsonbrunetti.com/financial-resources/

    Contact our team: https://johnsonbrunetti.com/contact-us/

    Fri, 23 Feb 2024 - 12min
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