This episode focuses on the “rules of the game” in retirement. Johnnie explains how different rules apply at different ages and income levels, and how breaking them—intentionally or not—can result in financial penalties. He shares why working with a retirement specialist helps people avoid mistakes that quietly erode income and increase taxes.

In this episode, Johnnie breaks down the most common “misses” people make as they approach retirement. He explains why focusing only on account balances and investment returns can leave major gaps, especially around taxes, long-term care, and lifetime income. Johnnie emphasizes the mindset shift required when moving from accumulation to preservation and distribution.

In this episode, Johnnie walks through what really happens when heirs inherit IRAs and other taxable accounts—and why that can lead to big tax bills. He contrasts inherited IRAs and the 10-year rule with life insurance benefits that pass income-tax-free, and explores using RMDs or other dollars to fund policies designed for a legacy. He also broadens the discussion beyond college, showing how life insurance can help fund down payments, family stability, and multi-generation opportunity, often directed through a trust.

In this episode, Johnnie walks through what really happens when heirs inherit IRAs and other taxable accounts—and why that can lead to big tax bills. He contrasts inherited IRAs and the 10-year rule with life insurance benefits that pass income-tax-free, and explores using RMDs or other dollars to fund policies designed for a legacy. He also broadens the discussion beyond college, showing how life insurance can help fund down payments, family stability, and multi-generation opportunity, often directed through a trust.

In this episode, Johnnie explains how life insurance fits alongside market accounts and Roth money. He shows how death benefits can replace a lost Social Security check or income for a surviving spouse, and how cash value can be tapped tax-free for one-time needs or ongoing income. He also compares fixed and indexed life insurance options that offer guarantees and stability when markets are unpredictable.

In this episode, Johnnie breaks down how permanent life insurance can act like “equity in your financial house.” He explains how policy loans from properly structured policies can provide tax-free retirement income that doesn’t count as Social Security income, and how concepts like “infinite banking” let you earn interest on money even while you’re using it. He also shows how retirees can redirect unwanted RMDs into life insurance to create more leverage and a legacy.

In this episode, Johnnie shows how single-premium policies can turn earmarked cash (e.g., grandkids’ gifts) into a larger, tax-free legacy. He also covers accelerated benefit riders that transform death benefit into living benefits for chronic/critical illness—an alternative to costly, scarce LTC insurance. Listen to this episode and learn more about how you can Retire at New Heights.

In this episode, Johnnie dives into max-funding IUL within MEC limits, positioning it alongside 401(k)s and Roths. They outline turning on a stream of policy loans in retirement and preview why tax-free income can reduce friction with Social Security taxation. Listen to this episode and learn more about how you can Retire at New Heights.