Johny G. Makhijani, CFP, AAMS, APMA

10/19/2026

As a business owner, you've likely thought about how to grow your business. Have you thought about how it would continue without you?

The 5 D's can have a major impact on any business:

• Death
• Disability
• Divorce
• Disagreement
• Distress

They're not the most comfortable conversations to have, but they're some of the most important.

A solid business plan doesn't just focus on growth. It helps protect what you've built when life takes an unexpected turn.

If you're a business owner and aren't sure how your business would handle one of the 5 D's, let's connect. Fill out the form below to start the conversation.

Ameriprise Financial advisor Johny Makhijani in Tustin provides personalized financial advice to help clients achieve their goals. Learn how to get started.

10/12/2026

Financial planning isn't about predicting the future. It's about being prepared for it.

While no one knows exactly what lies ahead, having a plan can help you navigate life's twists and turns with greater confidence.

From retirement and tax planning to protecting your family and creating a legacy, each piece plays a role in the bigger picture.

The question isn't whether life will change.

It's whether your plan is prepared to change with it.

If you'd like to discuss your financial goals and build a roadmap for the future, fill out the form below to connect.

Ameriprise Financial advisor Johny Makhijani in Tustin provides personalized financial advice to help clients achieve their goals. Learn how to get started.

10/05/2026

3 generations. One photo.

When people hear "legacy planning," they often think about what gets passed down someday.

But true legacy planning is about much more than transferring assets.

It's about helping ensure your family is prepared for the future. It's about creating opportunities, protecting what you've built, and making sure your values can live on through the people you care about most.

The decisions we make today can impact generations to come.

A thoughtful legacy plan can help provide clarity, confidence, and direction for those who matter most.

If you'd like to discuss how legacy planning fits into your overall financial picture, fill out the form below to connect.

https://bit.ly/4ynam0h

09/28/2026

One of the most common questions I'm hearing lately is:

"Am I saving in the right place?"

Many people contribute to retirement accounts every year without revisiting whether their current strategy still aligns with their goals.

As income grows, family situations change, and retirement approaches, planning opportunities often emerge that weren't relevant five or ten years ago.

That's why I believe financial planning shouldn't be a set-it-and-forget-it exercise.

The strategies that got you to where you are today may not be the same strategies that help you get where you want to go tomorrow.

If it's been a while since you've reviewed your retirement and tax planning strategy, let's have a conversation. Fill out the form below to connect.

Johny Makhijani is an Ameriprise Financial Advisor serving the Tustin, CA area. Get the personal financial advice you need to achieve your goals.

09/21/2026

As an advisor on a Forbes Best-in-State Wealth Management Team, one of the greatest values we can provide isn't predicting the future. It's helping clients prepare for it.

Over my career, I've seen market booms, downturns, changing tax laws, business transitions, and countless life events.

The details may change, but the need for disciplined planning never does. Experience teaches you that financial planning isn't about reacting. It's about preparing. That's why we focus on creating plans that can adapt as life changes.

Want to talk about your personal plan? Fill out the form below.

https://bit.ly/47aenJZ

09/14/2026

Long-term care planning is one of those topics that people often avoid.

I understand why. Nobody likes thinking about needing assistance later in life.

But after more than 25 years in this industry, I've seen firsthand how these situations can affect not only finances, but entire families.

Planning ahead doesn't guarantee outcomes. It creates options.

And in my experience, options are incredibly valuable when life doesn't go according to plan.
If long-term care planning is something you've been putting off, let's talk through your options and determine what makes sense for your situation.

Fill out the form below to connect.

Johny Makhijani is an Ameriprise Financial Advisor serving the Tustin, CA area. Get the personal financial advice you need to achieve your goals.

09/11/2026

Today marks the 25th anniversary of September 11. We pause to remember the lives lost, honor the heroes who responded, and reflect on the strength that carried our nation forward.

Never forgotten.

09/08/2026

I've watched 25-year-old clients become 50-year-old clients, 40-year-old clients become 65, etc.

I've watched young families send children off to college.

I've helped business owners prepare for exits they once thought were decades away.

The common thread?

The people who tend to feel most confident about their future aren't necessarily the ones with the most wealth. They're the ones with a plan.

This Intergeneration month, I want to highlight that a good financial plan evolves as your life evolves, helping you adapt to new goals, opportunities, and challenges along the way.

What goal are you currently planning for?

Tell me in the comments or fill out the form below if you'd like to start building a strategy around it.

Johny Makhijani is an Ameriprise Financial Advisor serving the Tustin, CA area. Get the personal financial advice you need to achieve your goals.

09/01/2026

As a business owner, I understand that building a company requires taking risks, making sacrifices, and planning for the future.

Most business owners spend years focused on growing revenue, serving clients, and supporting employees. But I've found that some of the most important conversations happen when we ask:

"What happens if something unexpected occurs?"

I've worked with business owners navigating partner transitions, succession planning challenges, and situations involving the death of a spouse or key decision-maker.

These discussions aren't always easy, but they're often the ones that have the greatest impact on a family's future and a company's continuity.

Having a plan in place before you need it can make all the difference.

If you own a business that could benefit from planning contact me by clicking the link below.

Johny Makhijani with Merit Wealth Management in Tustin, CA is here to help you with all of your financial planning needs.

08/31/2026

Higher yields continue to create potential opportunities for bond investors, but navigating today's market requires careful decision-making. Let’s connect if you’d like to discuss.

To contact us, email [email protected].

Read our fixed income midyear outlook.