John Enslin, Financial Adviser at The Enslin Group LLC

07/15/2026

Why Consider a Roth IRA or Roth 401(k)?

One of the biggest concerns people have in retirement isn’t just how much they’ll have—it’s how much they’ll get to keep after taxes.

That’s where Roth accounts can be a powerful planning tool.

Benefits of a Roth IRA or Roth 401(k):

✔️ Tax-free growth. Your investments have the potential to grow for decades, and qualified withdrawals are tax-free.

✔️ Tax-free retirement income. Since you’ve already paid taxes on your contributions, qualified distributions aren’t taxed in retirement.

✔️ Diversify your tax strategy. Having both pre-tax and Roth accounts gives you more flexibility to manage taxes in retirement.

✔️ No Required Minimum Distributions (RMDs) for Roth IRAs. Your money can continue growing if you don’t need it right away. (Roth 401(k)s generally avoid RMDs if rolled into a Roth IRA.)

✔️ Great for younger investors. Paying taxes now may make sense if you expect to be in a higher tax bracket later.

✔️ A valuable legacy tool. Roth assets can be an efficient way to pass wealth to your heirs since qualified withdrawals are generally tax-free.

A Roth account isn’t the right choice for everyone. The decision depends on your current tax bracket, expected retirement income, and long-term goals. That’s why personalized planning is so important.

If you’re wondering whether a Roth IRA, Roth 401(k), or even a Roth conversion makes sense for your situation, let’s have a conversation.

The best retirement plan isn’t just about saving more—it’s about keeping more.

07/10/2026

I’m proud to be a sponsor of Iowa Adaptive Golf Tournament for amputees. I’ll also be cheering on my good friend Cory Watson to win the whole thing!

07/06/2026

Why should someone between the ages of 50 and 55 meet with a financial advisor?

Because you’re entering one of the most important financial planning windows of your life.

With retirement only 10–15 years away, you still have enough time to make meaningful adjustments if you’re not quite on track. Small changes today can have a big impact on your future.

For many people, this is also a season of transition. The kids are graduating, moving out, or becoming financially independent. College tuition may be winding down, the house may be getting quieter, and for the first time in years, you have an opportunity to focus more on your own financial future.

This is the perfect time to:
✔️ Make sure your retirement savings are on pace.
✔️ Review your investment allocation and risk level.
✔️ Re-evaluate your life insurance needs now that your family and finances have changed.
✔️ Discuss long-term care planning while you’re still young and healthy.
✔️ Create a tax-efficient retirement income strategy.
✔️ Review beneficiaries and estate planning documents.
✔️ Set realistic retirement goals and build a plan to achieve them.

You’ve spent decades working hard and putting your family first. Now it’s time to make sure the next chapter is just as well planned.

The years leading up to retirement are too important to leave to chance. If you’re between 50 and 55 and haven’t reviewed your financial plan recently, now is the perfect time to start the conversation.

Call me or email:

[email protected]

(319) 883-0742

07/04/2026

Wishing you an Independence Day full of celebration and tradition. Happy 4th of July!

06/29/2026

Please welcome Britni Miller as my new agent assistant.

She will be here to assist with providing excellent service to existing clients as well as on boarding new ones. She is a great addition to the firm with a high attention to detail and a very strong work ethic, which she has made clear already.

06/25/2026

Life is full of milestones. Your financial plan should keep up.

Here are some of the most important times to sit down with your financial advisor:

✅ Starting your professional career
✅ Getting married
✅ Starting a family
✅ Buying your first home
✅ Changing jobs or careers
✅ Receiving a promotion or significant raise
✅ Starting a business
✅ Receiving an inheritance
✅ Paying off major debt
✅ Sending children to college
✅ Caring for aging parents
✅ Planning for retirement
✅ Receiving a pension or Social Security benefits
✅ Selling a farm, business, or real estate
✅ Experiencing the loss of a spouse or loved one
✅ Reviewing estate and legacy plans

The reality is that financial planning isn’t a one-time event—it’s an ongoing process. Major life changes often create new opportunities, risks, tax considerations, and planning needs.

A good financial advisor should be someone you can call before making major financial decisions, not after.

No matter what stage of life you’re in, having a plan can help you move forward with confidence.

06/19/2026

This Juneteenth, take time to honor history, celebrate progress and support one another.

06/17/2026

Long-term care planning is one of those conversations that nobody looks forward to having, but avoiding it doesn’t make the risk go away.

Today, the average cost of a private nursing home room in the United States exceeds $120,000 per year, and many facilities continue to see costs rise faster than inflation. The average person who requires long-term care may need services for around 3 years, while some individuals require care for much longer.

Many families assume Medicare will cover these expenses. In reality, Medicare generally covers only short-term skilled care following a hospitalization. When personal assets are depleted, Medicaid may become the primary source of coverage. However, Medicaid is designed to be a safety net, and after death, states can seek reimbursement from the recipient’s estate through Medicaid Estate Recovery.

Another consideration is choice. If you are relying on Medicaid, you may not have access to your first-choice facility, and a private room may not be an option. Planning ahead can help put you in control of where and how you receive care.

Many long-term care insurance policies and hybrid policies today provide benefits that can help pay for care in your own home. For many people, remaining at home as long as possible is the preferred option, and proper planning can make that a reality.

The good news is that proper planning can help provide more options and greater financial security. Strategies such as long-term care insurance, hybrid life insurance policies with long-term care benefits, and incorporating long-term care planning into your overall retirement strategy can help protect retirement assets and reduce the burden on loved ones.

The best time to discuss long-term care is before there’s a health event. Planning early provides more choices, greater flexibility, and often lower costs.

It’s not a fun conversation, but it may be one of the most important financial conversations you ever have.

If you have questions about long-term care planning or how it fits into your overall retirement plan, let’s talk.

06/12/2026

The best financial plans aren’t built overnight—they’re built over time.

Investing for the long term isn’t about chasing the latest headline or trying to time the market. It’s about making good decisions consistently, staying disciplined through life’s ups and downs, and keeping your eyes on the goals that matter most to you and your family.

The earlier you begin planning, the more opportunities you have to make smart choices. Thoughtful tax planning from the beginning can help you keep more of what you’ve worked hard to earn. Small decisions made today can have a lasting impact on your future.

A strong financial plan should look at more than just investments. It should address the areas of life that can have the biggest impact on your family’s financial security, including:

• Investment planning
• Tax-efficient strategies
• Life insurance protection
• Disability income protection
• Long-term care planning
• Estate planning and legacy goals

Financial planning isn’t about finding a one-size-fits-all solution. It’s about creating a strategy that evolves with you through every season of life.

If you’re looking for someone to help coordinate all the pieces and serve as a resource when life’s big decisions arise, let’s have a conversation. The best time to plant a tree was 20 years ago. The second-best time is today.

Plan intentionally. Protect what matters. Invest for the long haul.

The Enslin Group
319-883-0742
[email protected]

06/04/2026

A recent national survey focused on how American college students are feeling about their money situation at a moment when simply a trip to the gas pump or grocery store can trigger cash anxiety.

National survey tracks with recent Utah poll regarding college-age students’ attitudes toward college, tuition.