Heath M Johnson, CFP®, CLU®, ChFC®, CASL®, RICP®

Wealth Management Advisor

My Mission

To some, financial planning is only about investing and gr
owing assets. And while that
'
s
an essential part of the process
,
I believe there is more to it
.
That
'
s why I build relationships with my clients to understand
the
ir
perspectives and the
circumstances that influence their financial decisions. I help
them protect against risk,
capitalize on unforeseen opportunities and react to the chang
es that come with kids,
careers, homes, retirement and more.
Successful financial planning is about people
understanding their needs and working
with them on an ongoing basis as they journey through life.
That
'
s motivates me and
makes my work so rewarding.
Call or email today and let
'
s talk about what I can do for you.
To some, financial planning is only about investing and gr
owing assets. And while that
'
s
an essential part of the process
,
I believe there is more to it
.
That
'
s why I build relationships with my clients to understand
the
ir
perspectives and the
circumstances that influence their financial decisions. I help
them protect against risk,
capitalize on unforeseen opportunities and react to the chang
es that come with kids,
careers, homes, retirement and more.
Successful financial planning is about people
understanding their needs and working
with them on an ongoing basis as they journey through life.
That
'
s motivates me and
makes my work so rewarding.
Call or email today and let
'
s talk about what I can do for you.

To some, financial planning is only about investing and growing assets. And while that's an essential part of the process, I believe there is more to it.

That's why I build relationships with my clients to understand their perspectives and the circumstances that influence their financial decisions. I help them protect against risk, capitalize on unforeseen opportunities and react to the changes that come with kids, careers, homes, retirement and more.

Successful financial planning is about people – understanding their needs and working with them on an ongoing basis as they journey through life. That's what motivates me and makes my work so rewarding.

Call or email today and let's talk about what I can do for you.

_______________________________________________________________________

Heath's Note – A comprehensive retirement plan is more than just a 401(k)

 

Heath's Note – Should You Save for Retirement or Your Kids' College?

I work with a lot of young families who want the best for themselves and their kids. Sometimes, this leads to a dilemma: should they prioritize retirement savings over the college fund? Or push resources towards college and catch up on retirement contributions later?

While it's often more complicated than an all-or-nothing, either/or decision, my answer is usually the same: put your own financial independence on track first and then focus on your children.

Why? Because children have options for funding their college education beyond the savings you have set aside—through grants, financial aid, loans and scholarships. With these options and the benefit of time to pay back loans, a student generally has a greater chance of covering college costs than you do of making up lost retirement savings.

Thankfully, parents are rarely forced to choose between college and retirement. And we make sure they avoid such dilemmas in the future with smart planning. For example, most people immediately think of a 529 plan when it's time to start saving for a college education. That can be a great savings tool, but the money in a 529 plan can only be used to fund education. What if you need access to that money for some other reason? There are other vehicles, such as investments or the cash value from permanent life insurance, that can be used in addition to a 529 plan to offer more flexibility.

Ultimately, we work with parents to fund both retirement and college. Click here to learn more about retirement planning or click here to schedule a conversation about retirement, college savings, insurance and more.  

If you live for it, we’ll help you plan for it.

See what our version of financial planning looks like.

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Good News for Our Clients

In 2018, we expect to again lead the industry in total dividends paid to our clients. Read more.

Changing Jobs? Your Top 5 Financial Considerations Beyond Salary

Learn how to assess a new job’s benefits, protect your existing assets, efficiently roll over your 401(k), and more in this free white paper. It also includes worksheets for evaluating major insurance benefits.

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