John Koyle, Financial Advisor

John Koyle, Financial Advisor Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from John Koyle, Financial Advisor, Financial Consultant, 1414 E Center Street, Pocatello, ID.

đź’°25+ yrs turning complex finances into clear plans
AIF® | Fiduciary | Pocatello, ID
Portfolio Sustainability - Portfolio Performance - Tax Efficiency - Risk Management - Wealth Transfer
💲Retirement Calculator / 📆FREE Consultation ⬇️
johnkoyle.com

09/29/2026

Who inherits your retirement account? If your answer is "whoever my will says," that's the wrong answer.

IRAs, 401(k)s, annuities, and life insurance skip the will entirely. They go to whoever is on the beneficiary form, and that form wins over the trust, the estate plan, and everything else, even if you signed it in 1998.

So it's worth filling out correctly. Name real people as primary beneficiaries, with full legal names and birth dates, instead of writing "my children." Put a percentage beside every name and make sure they add to 100, since blanks let the custodian decide. Fill in a contingent beneficiary, the person who inherits if all your primaries are gone, or the account defaults to your estate and heads for probate.

Then there's the checkbox almost nobody reads: per stirpes vs. per capita. Three kids, a third each. One passes before you, leaving two children. Per stirpes sends her share down to her kids. Per capita, or leaving it blank, hands her share to your two surviving kids, and the grandchildren get nothing. Two words decide it.

Last thing: divorce doesn't remove an ex from the form. Someone has to. Recheck every designation after a marriage, divorce, birth, death, or rollover, because a rolled-over account starts with a blank form.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

Educational content only, not personalized investment advice.

09/28/2026

Want your family fighting after you're gone? Let your will and your beneficiary forms disagree. It works every time.

Here's why: the beneficiary form on a 401(k), IRA, life insurance policy, or annuity overrides the will. Whoever is named on that form gets the money, even if the form dates to 2009 and the will was updated last year. The Supreme Court has ruled on exactly this scenario: a husband listed his wife on his 401(k), divorced her years later, and she waived the account in the settlement. The form was never touched. When he died, roughly $400,000 went to his ex-wife and his daughter got nothing.

The fix is homework, not a lawsuit. Gather your estate documents. Pull the beneficiary designation on every account: workplace 401(k), IRAs, life insurance, annuities, HSAs, and any bank account with a payable-on-death name. Check the contingents, because they're next in line. Then sit down with your advisor and make every form match the plan.

Five minutes on a form can save your family years.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

Educational content only, not personalized investment advice.

09/28/2026

Want to know what the government would do if it were serious about fighting inflation? It would stop spending money.

Instead the Fed just raised short-term rates another quarter point, with more expected. Here's why that doesn't work.

First, understand how money gets created. When a loan is issued, whether it's the government, a corporation, or you buying a house, money is created. That's how money multiplies in this economy. It's where inflation comes from.

Now the numbers.

Total debt in this country runs about $82 trillion. Government owes roughly half. Corporations owe about a quarter. Consumers owe the last quarter.

Raising rates does nothing to the first half. Washington doesn't check the ten-year yield before deciding what to spend. Higher rates actually make it worse, because interest on $40 trillion has to be paid, and it gets paid by issuing more debt.

Then the corporate quarter. Which companies slow their borrowing when it gets expensive? The ones without the cash flow to absorb a higher rate. The marginal businesses. Which ones keep borrowing? The strongest companies in America, the ones financing the AI buildout, who can pay whatever the rate is and will.

And the consumer quarter. Will higher rates slow consumers down? Absolutely. That's the one place the policy works exactly as designed.

So add it up. The Fed raises rates and the impact lands on consumers and the weaker half of corporate America. A little over a quarter of all the debt in the country. Government keeps borrowing. The strongest corporations keep borrowing.

09/27/2026

The most common assumption I hear from pre-retirees: markets always go up. The last hundred years say otherwise.

Three times in the past century, U.S. stocks spent more than a decade going nowhere. After 1929 the Dow lost close to 90%, and investors who'd bought on margin with 10% down were wiped out; the index needed 25 years to see its old high again. Between 1966 and 1982 the Dow finished 16 years lower than it started, worth about a quarter as much once you account for inflation. After the 2000 peak, the S&P 500 spent roughly 13 years clawing back to where it had been.

Today's setup rhymes. The Shiller CAPE ratio has only been higher once, at the top of the tech bubble. Inflation still hasn't come back down to the Fed's 2% goal. Margin debt is near a record, an estimated $2 trillion-plus in cheaply borrowed yen is parked in U.S. stocks and similar assets, and the AI build-out is being financed with growing amounts of debt while the revenue hasn't caught up.

I'm not calling a crash. Nobody can time it. But with valuations and leverage where they are, a 1966-style sideways stretch with sticky inflation, a Japan-style 80% drawdown, or stocks falling while prices keep rising are all scenarios a retirement plan should be able to survive.

Within 10 years of retiring? No borrowed money anywhere near your retirement accounts. Know how much of your S&P 500 fund rides on about ten AI-linked companies. Plan for inflation eating your buying power year after year, not just one bad year. And keep enough near-term spending in short-term bonds and other safer assets that a bad market can never force you to sell at the bottom.

History's lesson here isn't fear. It's structure.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

Educational content only, not personalized investment advice.

09/27/2026

I'll be honest about why I've gotten cautious recommending Roth conversions lately.

My read is that we're late in a very long cycle. An estimated $3 trillion of leverage sits in the yen carry trade, and it's unwinding. Another $2 to $3 trillion is going into an AI build-out that mostly isn't profitable yet. Federal spending keeps accelerating, the debt is intimidating, rates are climbing, and tech valuations look as stretched as anything in 150 years. Reasonable people disagree with me, and I've been early before. Some would call repositioning around this view market timing. Fair. Surviving a lost decade is hard too, and the last century produced several.

Why it matters for conversions: a Roth conversion means paying the IRS today so that account is never taxed again. Convert for three to five years, then sit through a market that drops and needs 15 years to come back, and you've paid tax on dollars that vanished. You bought out the government's share at a price the market never justified.

If you're converting now, put a slice of the converted money somewhere conservative for the next one to three years, so a steep drop can't land on the very dollars you just paid tax on. Want to be aggressive somewhere? Do it in the pre-tax balance instead. You can always reposition later. Unwinding a conversion hasn't been possible since 2018.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

Educational content only, not personalized investment advice.

09/25/2026

A message from your kids and grandkids, from the future.

There are two legacies a grandparent can leave. The first is money — passing wealth to the next generation. The second is knowing what to do with it — teaching that generation how to manage, handle, and grow it. Most people only think about the first. But there's a strategy that lets you give both at once, and you don't need a fortune to do it.

If your child or grandchild has a job, even a small one, they can have a Roth IRA. Here's how it works:

Step one: they need earned income — babysitting, mowing lawns, a summer job, or real work in a family business. It has to be actual work for real pay, and it should be documented.

Step two: they can contribute up to what they earned that year, as long as it's under the annual IRA limit. If your granddaughter earns $3,000 lifeguarding, up to $3,000 can go into a Roth in her name.

Step three: you can cover it. She keeps her paycheck, and you gift her the money for the contribution. The account is set up as a custodial Roth IRA until she's an adult.

The first legacy, the money: if you help get that account to $20,000 by age 18 and it's left alone, at a hypothetical 10% average annual return it grows to almost $1.1 million by age 60 — and because it's a Roth, it comes out tax-free.

The second legacy may be the bigger one. The account is a classroom. Even starting with a few hundred dollars, grandkids learn with real money while the stakes are small. They watch the market drop and learn not to panic. They learn to make good investment decisions, to listen to people who've been down that road, and how wealth really gets built. A kid who inherits money without those lessons can lose it. A kid who learns them can build it again and again.

The message from the future is two words: thank you.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Hypothetical returns are for illustration only and do not represent any specific investment. Please consult a qualified professional.



9143564

09/25/2026

There are five questions very few pre-retirees can answer. How many can you?

One: do you know what happens to your taxes when one of you dies? The survivor usually ends up filing single — nearly the same income, squeezed into tax brackets only half as wide.

Two: do you know what your Social Security survivor benefit actually is? When one of you passes, one of your two checks goes away for good.

Three: do you know how much the IRS will force you to take out of your IRA at 73 or 75, depending on the year you were born — whether you need the income or not?

Four: do you know your Monte Carlo score — the percentage of possible futures where your money actually lasts?

Five: is your retirement plan built for your actual life, or for some generic couple?

If you hesitated on even one of these, it's time to run your real numbers. My free retirement calculator runs your plan through 500 market scenarios — good years, crashes, lost decades — and gives you your Monte Carlo score in about 10 minutes. Then we can sit down, go through your actual numbers together, and answer the rest: your taxes, your survivor benefits, your RMDs, and whether your plan really fits your life.

Run your numbers: https://plan.johnkoyle.com?utm_source=facebook
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Please consult a qualified professional.



9143575

09/23/2026

Almost no one does what I believe is the single most important thing a pre-retiree should do: build a retirement income and tax blueprint.

Here's what it does. It starts with your annual spending needs and builds in a cost-of-living adjustment for every year going forward. Then it fills those income needs, year by year, using the most tax-efficient withdrawal strategy available.

It shows you different levels of guaranteed income, so you know exactly how predictable your paycheck is each year. If you retire before turning on Social Security, it builds a bridge to get you there. It helps you optimize your Social Security benefits and map out a Roth conversion strategy — and you can shift income around on paper to see the tax consequences before you ever make a move. How does it change your timeline? Your tax bill? What your heirs inherit?

Here's what most people miss: you don't get one tax bill in retirement. You get 30 of them. The blueprint plans all 30 — your entire plan on one sheet of paper.

If you'd like me to build yours, start by running your numbers so I have them before our call.

Run your numbers: https://plan.johnkoyle.com?utm_source=facebook
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Please consult a qualified professional.



9142280

09/23/2026

Nobody panics about paying for four years of college. It's a known number of years, a known cost per year, and people start setting money aside for it a decade out without ever calling it a crisis.

Ask those same people to fund eight years between a retirement date and age 70 and it stops being arithmetic and becomes a wall. I watch capable, numerate people look at that stretch and conclude it's simply not possible for them — not because they ran it and it failed, but because nobody ever handed them a way to run it at all.

So they take the smaller check. Permanently. And the version of that decision that actually matters doesn't show up for twenty years, when one of them is gone and the survivor is living on whatever the other one locked in.

The years in between are the most solvable problem in this entire field. Known length, known cost, no market risk required. The only reason it feels impossible is that it has a scary name and no one has ever priced it out loud.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Please consult a qualified professional.



9135007

09/22/2026

A 41-year-old with a mortgage, two kids and a truck payment has never once thought about Social Security as something that could pay his family this year.

Why would he. It's filed in everyone's head under retirement — something that happens decades from now, to someone much older, after a long wait. That's the entire mental model, and almost nobody's is any different.

So if the worst thing happens, nobody in that house knows to go looking. There's no letter. Nothing triggers automatically. The money sits there, attached to a record he built over twenty years of work, and it is entirely possible for a family to never claim a dollar of it simply because it never occurred to anyone that it existed.

That's what bothers me most about this corner of the system. It isn't that families apply and get turned down. It's that they never apply. And the moment it becomes relevant is the exact moment when no one in the household has the capacity to research anything, call anyone, or ask the right question.

Which is why this is worth knowing now, when it's abstract and costs you nothing to learn.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Please consult a qualified professional.



9134986

Address

1414 E Center Street
Pocatello, ID
83201

Website

, , ,

Alerts

Be the first to know and let us send you an email when John Koyle, Financial Advisor posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category