FamilyRoot Wealth Advisors, LLC - Dan Johnson

09/04/2026

A lot of people focus on their lump sum and ask, “Is this enough to retire?”

But that’s not really the right question.

What matters is how much you need your portfolio to provide each year.

Your withdrawal rate depends on the gap between your annual expenses and the income coming from other sources.

And there are a lot of factors that can change that equation:

• When you decide to take Social Security
• Pension income
• Rental income
• Part-time or consulting income
• How much you’re spending each year
• Taxes and inflation
• How your portfolio is invested

For example, someone with a $1M portfolio and $30k of annual income needs has a very different retirement plan than someone with a $3M portfolio who needs $300k a year from their investments.

The goal isn’t just to build the biggest portfolio possible. It’s to build an income strategy that makes the portfolio last.

That's where good retirement planning can make a big difference.

08/28/2026

08/28/2026

Fed Chair Kevin Warsh’s message from Jackson Hole today: inflation remains the Fed’s biggest concern. While recent inflation data has improved, Warsh said the underlying trend has not improved enough. If inflation doesn’t move convincingly toward the Fed’s 2% target, higher interest rates may still be necessary.

08/19/2026

📈How We Help Enhance Your Portfolio!💡

With our modern trading technology, we use fractional shares to directly purchase the individual stocks that make up an index, rather than investing through traditional ETFs or mutual funds, when it's the right fit.

By directly owning all of the stocks in an index, we are able to systematically sell the lowest performing stocks in the index for a short period of time to "lock in" those tax losses. Our trading software automatically does this for you.

By capturing those tax losses over time, we can dramatically reduce the tax burden of your investments, reduce the fees associated with mutual funds, and improve the efficiency of your overall portfolio. 💰

08/13/2026

Greatly appreciated the opportunity to attend an educational seminar hosted by the Dementia Spotlight Foundation and Campen Estate Planning, LLC!

Dementia Spotlight Foundation is a nonprofit providing resources, education, advocacy, and support for those living with dementia and their care partners.

Great job, Gary Joseph LeBlanc and Daniel Campen @ Campen Estate Planning, on an extremely informative presentation!

Grateful for the opportunity to learn and continue finding ways to better support the families I work with.

Learn more about Dementia Spotlight Foundation and their mission at https://dementiaspotlightfoundation.org !

08/10/2026

💰 Retirement Income for Conservative Investors: Annuitizing vs. Treasury Bonds

Say a 60-year-old conservative investor has $1 million to generate a fixed income. Two common options:

An immediate fixed annuity, let's say it might provide $5,700/month ($68,400/year) for life.

A Treasury Bond portfolio earning 4.5% would generate $45,000/year.

At first glance, the annuity looks much better. Client says "Yeah, what an incredible rate I'm getting and it's guaranteed!"

Is there a catch?

With Treasuries, you still own the $1 million principal.

With the Annuity, you exchanged that $1 million for a lifetime income stream.

Now, the market value of Treasury bonds can fluctuate significantly over your time horizon. However, if you hold individual Treasury bonds to maturity, your scheduled interest payments remain the same, AND you receive your principal back at maturity.

The annuity is paying about $23,400 more per year, not bad...... but, that's about 43 years of additional payments just to equal the $1 million principal you gave up.

That's not an exact break-even calculation as there are many other factors involved such as inflation, taxes, and fees, but it highlights a major difference.

Treasuries = fixed income + control + principal preservation

Annuity = guaranteed lifetime income + longevity protection

While both options can make sense for certain clients, the higher payment and the higher rate doesn't necessarily mean it's the better option.

Always make sure you have a clear understanding of your options and the math behind them before you invest in anything.

If you'd like a second opinion from a fiduciary advisor, I'm always happy to help!

08/05/2026

💰 What's one of the biggest risks in retirement planning? Taxes!

Many retirees focus on growing their investments but overlook how they'll draw their income.

A thoughtful withdrawal strategy can potentially help:

✅ Reduce lifetime taxes
✅ Lower Medicare premium surcharges
✅ Minimize taxes on Social Security
✅ Help your savings last longer

Retirement isn't just about how much you've saved—it's about how efficiently you use it.

Every situation is different, so having a tax-aware retirement income plan can make a meaningful difference.

08/03/2026

Happy Monday! Let's Go 💪 😄