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.