JL Smith Holistic Wealth Management

06/12/2026

The timing of a market downturn can matter a lot more in retirement than it did while you were building wealth.

If a downturn hits early in retirement, while you are already drawing income from your portfolio, the damage can outlast the recovery. It is one of the most consequential risks high-net-worth families face, and one of the least discussed.

We published a piece on what you can do about it.

Read it here: https://bit.ly/4x4FFgT

Are annuities worth considering for retirement? A balanced, fiduciary look at where annuities may fit within a high-net-worth retirement income plan.

05/11/2026

Succession planning is one of those things business owners know they should do eventually. The problem is that for many, eventually usually comes too late.

The financial and structural preparations that determine how much you walk away with take years to put in place. Prosperity Capital Advisor Partner and Senior Wealth Manager, Bryan Bibbo, AIF®, NSSA®, BPC, CEPA® broke down what to do in the 5 to 10 years before a sale or transition to help you make the most of it.

Read it here: bit.ly/3OSFvaU

Many business owners start succession planning too late. Here is what to do in the 5 to 10 years before a sale, from valuations and entity structure to tax positioning and personal retirement planning.

04/23/2026

Bryan Bibbo has been named an Excellence Awardee for Advisor of the Year in the Midwest, along with recognition for community impact in the 2026 InvestmentNews Awards.

This is a reflection of how we approach planning. Education first. A disciplined process. A focus on helping clients make informed decisions across every area of their financial life.

Bryan’s leadership in both client work and community involvement represents what holistic wealth management looks like in practice.

Proud to see this recognition and the continued impact of our team.

Read more here: https://hubs.ly/Q04df_RQ0

04/09/2026

Many retirement plans aren’t built with women in mind.

They don't fully account for longer lifespans, Social Security decisions shaped by survivor benefits, the tax consequences of widowhood, or the complexity that comes with equity compensation.

This Women's History Month, our partners at Prosperity Capital Advisors published a guide that addresses exactly what we discuss with female clients.

Read it here: https://bit.ly/405cvPr

  Key Takeaways: High-net-worth women with a range of $1 million to $5 million in liquid assets often have more complexities to consider in wealth management and retirement planning Women typically live longer than men, making longevity planning one of the most important financial considerations fo...

03/23/2026

Women are stepping into greater financial leadership and playing a defining role in the future of wealth.

With that momentum comes an opportunity to plan with intention, confidence, and a clear vision for what comes next. Thoughtful planning can help support longer time horizons, major life transitions, and the goals that matter most.

A strong reminder that financial planning should reflect the life you are building and the impact you want to make.

Women are earning more, inheriting wealth at unprecedented rates, and making more of the key financial decisions for their families than ever before. That is...

03/20/2026

Many retirement plans aren’t built with women in mind.

They don't fully account for longer lifespans, Social Security decisions shaped by survivor benefits, the tax consequences of widowhood, or the complexity that comes with equity compensation.

This Women's History Month, our partners at Prosperity Capital Advisors published a guide that addresses exactly what we discuss with female clients.

Read it here: https://bit.ly/405cvPr

  Key Takeaways: High-net-worth women with a range of $1 million to $5 million in liquid assets often have more complexities to consider in wealth management and retirement planning Women typically live longer than men, making longevity planning one of the most important financial considerations fo...

03/04/2026

President & CFO Bryan Bibbo continues to emphasize a critical truth: Social Security decisions are long-term planning decisions.

How and when you claim Social Security can influence taxes, survivor benefits, and the legacy you leave behind. Smart coordination today can protect income and legacy tomorrow.

Read the full article: https://bit.ly/4biBjJZ

Estate planning experts explained what you should consider when thinking about estate planning, retirement and taxes.

03/02/2026

What if the solution to burnout and disengagement isn’t another tool, but intentional joy?
Our host, Bryan Bibbo, sits down with Dave Caperton to explore how joy, rooted in purpose, fuels performance, retention, and culture.

🎧 Listen now: https://hubs.la/Q045ghqK0

02/20/2026

Retirement Fact: The order in which you tap your retirement accounts can potentially reduce or increase your lifetime tax burden.

But the standard sequence (taxable → IRA → Roth) many retirees follow can backfire.

This article, published by our partners at Prosperity Capital Advisors, breaks down why this happens and three key strategies that can help prevent costly mistakes.

Read it here: https://bit.ly/40pA3yk

  Key Takeaways: The years between retirement and age 73 create an important tax-planning window that retirees often miss Three strategies can help you reduce lifetime taxes: planning for required minimum distributions (RMDs) before they start, strategic Roth conversions during low-income years, an...

02/03/2026

What would you do with 15 extra hours every week?
In this new episode, Jason L Smith and AI Simplifier™ founder Tom Lambotte share how busy professionals can reclaim time with AI, without the hype or overwhelm.