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.

💰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

08/12/2026

This video is for all of you that have ran put your retirement plan through my free calculator at plan.johnkoyle.com.

You ran the stress test and got a number. Let me tell you what it actually means.

That score is a Monte Carlo probability index — your real numbers run through 500 different market pathways, from historic bull markets to cycles that mirror the Great Depression. An 85% score means your plan crossed the finish line in 425 of 500 scenarios. In my practice, that's the baseline for a plan that's genuinely stress-tested rather than just optimistic.

But your score is a starting point, not a final answer. It can't see your tax-bracket architecture, your future required minimum distributions, or the survivor-spouse penalty — and that's where the most important decisions get made.

Book a 30-minute strategy call and I'll have your complete model analyzed and on my screen before we say hello. Link in bio.

Educational only — not personalized financial advice.

08/11/2026

I ran the numbers on the housing market and they're brutal.

Median income is about $85,000 a year. The median home sits near $425,000 with rates around 6.5%, so principal and interest alone run about $2,400 a month — closer to $3,200–$3,500 once you add taxes, insurance, and upkeep. That's nearly half of gross monthly income going to housing, against a historical safe benchmark of 25–28%.

When people say they can't afford to buy, they're not exaggerating. That's not a housing market — that's a trap.

If you want to talk through what this means for your own plan, message me or book a call — link in bio.

Educational only — not personalized financial advice.

08/10/2026

Everyone walks into retirement worried about the market. But the market is one risk out of many — and it's usually not the one that breaks a plan.

The quiet ones do the damage: inflation eating your income for a decade, claiming Social Security at the wrong age, a tax bill bigger than anything you paid while working, living longer than you planned, or one bad sequence of returns early on that you never recover from. Any one of them can crack a retirement that looked bulletproof on paper.

Comment "Retire" and I'll send you our free retirement calculator so you can see which of these actually threatens your plan.

Educational only — not personalized financial advice.

08/08/2026

Ask most advisors how much to convert to a Roth and you'll get a number pulled from thin air — "let's do $50K this year, maybe $75K next." That's not a strategy. It's a guess with a random tax bill attached. Here's how it actually works: map your baseline income from every layer (Social Security, pensions, real estate, consulting), then measure the exact gap up to the ceiling of your current tax bracket. For a married couple, the 22% bracket tops out around $211,400 — so a $130K baseline leaves $81,400 of room to convert at a predictable 22 cents on the dollar. But you have to thread it under the IRMAA Medicare cliff (~$218,000) at the same time, every year, from retirement until RMDs hit at 73. That's engineering, not a software snapshot. Let's build your multi-year bracket roadmap: johnkoyle.com.

08/07/2026

A retirement calculator measures survival. What a good advisor does is closer to architecture. My free calculator will show your odds of not running out of money, stress test an early market crash, even estimate your tax savings — I built it myself. But at the end, it tells you the truth in plain language: the right amount and timing depends on your full tax picture. A calculator can tell you Roth conversions save money. It can't weigh your income this year, your bracket next year, your Social Security date, your spouse's RMDs, and your estate plan all at once and tell you exactly how much to convert, in which accounts, in which order, starting when. That's judgment — 25 years of it. Start with the calculator at plan.johnkoyle.com, and when you want to talk through what it's telling you, that's what I'm here for.

08/06/2026

There's a kind of dread I've watched settle over people late in life — being old, out of money, and out of any way to make more. It's quiet. It's lonely. And the cruelest part is that it was almost always avoidable, if someone had gone looking for the weak spots early enough. That's what stress testing does: it finds where your plan cracks now, at your kitchen table, while you still have time and options and moves to make — not fifteen years too late. See where your plan holds and where it breaks at plan.johnkoyle.com.

08/05/2026

Three things worth knowing about saving 25% for retirement. First, the payoff is huge — start at 30 and stick with it, and you could replace 80–90% of your income, enough to keep your lifestyle without a paycheck (which matters, because early retirement usually brings a spending surge, not a dip). Second, timing is everything — delaying just ten years, from 25 to 35, can cut your final nest egg by more than half, because compounding does the heavy lifting. Third, life will get in the way — kids, houses, medical bills. Some years you'll drop to 15% or 10%, and that's fine. What kills retirement isn't a temporary dip; it's quitting the plan because you think you already failed. You haven't. See what your rate actually builds to: plan.johnkoyle.com.

08/04/2026

Most financial plans have a blind spot, and it isn't the investments. It's the unprotected risk sitting right next to them. One lawsuit against an under-insured home, or a single long-term care event running $100K+ a year, can erase assets it took thirty years to build. Most advisors never raise it — the conversation's uncomfortable and they don't get paid to have it. But I look at three things with every client: umbrella coverage against your actual net worth, long-term care exposure, and whether your life insurance is still doing the right job. When's the last time an advisor reviewed your whole protection picture — not just your portfolio? Let's lock the back door: johnkoyle.com.

08/03/2026

The biggest retirement mistake often takes about ten seconds: "I'll claim Social Security at 62." Here's the real cost. The max benefit at 62 is $2,969 a month. Wait until 70 and that same earnings history pays $5,181 — a difference of $2,212 every month for the rest of your life. And it's more than a bigger check: Social Security is the one income source that adjusts for inflation, adds roughly 8% for every year you delay, and keeps supporting your spouse after you're gone. For couples, coordinating claiming ages can add six figures in lifetime wealth. Check your numbers at ssa.gov — then, before you click submit, let's talk: johnkoyle.com.

08/02/2026

Nobody talks about this: the people with the biggest portfolios often have the smallest withdrawal rates.

Getting to a million takes years of discipline — spending less than you earn, skipping the luxury-car upgrade, automating contributions and letting compounding work. Here's what most people miss: those habits don't switch off once you hit the number. The data proves it — the car brand millionaires buy most isn't Tesla or Porsche, it's Toyota, and most self-made millionaires still live in middle-class homes. The 4% Rule is built for the average retiree. Disciplined millionaires aren't average: their expenses stayed low while their assets grew, so they can live on 2–3%. Drop your withdrawal rate that low and the math changes completely — sequence-of-returns risk falls toward zero, and 97–98% of your money stays invested, compounding faster than you spend it. That's the line between financial independence and financial permanence: wealth that stops being a tank of fuel and becomes a self-sustaining engine that outlives you.

Want to run the exact math on your own withdrawal rate? Let's map it out: https://johnkoyle.com/?utm_source=facebook

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