Capitalized Life Radio Show

The Power of Par

Wed, 10 Jun 2026 10:00:00 -0400

What if you could generate reliable income, reduce risk, and position yourself for potential capital gains—all at the same time?

In this episode of The Capitalized Life & Retirement Show, Matthew Johnson breaks down one of the most overlooked concepts in retirement investing: the power of par value.

Many investors focus exclusively on stocks, ETFs, and market growth, but retirees often need something different: predictable income, greater stability, and a strategy that doesn't rely on the stock market having a good year. That's where fixed income investments can play a powerful role.

In this episode, you'll learn:

What "par value" means and why it matters
How bonds and preferred stocks generate predictable income
Why buying fixed income investments below par can create opportunities
The relationship between interest rates and bond prices
How retirees can potentially benefit from both income and capital appreciation
Why fixed income becomes more important as retirement approaches
The difference between investing for known returns versus unknown returns
How to build greater confidence and predictability into your retirement income plan

Matthew uses simple, real-world examples to explain how fixed income investments work and why many retirees seek them out as they transition from the accumulation phase of life to the distribution phase.

If you're looking for dependable retirement income and want to better understand how bonds and preferred stocks fit into a retirement strategy, this episode is a must-watch.

#RetirementPlanning #FixedIncome #Bonds #Investing #RetirementIncome #WealthManagement #PreferredStocks #FinancialPlanning #ThePowerOfPar #JohnsonWealthAndIncomeManagement #TheCapitalizedLifeAndRetirementShow

Who Really Needs Long-Term Care Insurance?

Wed, 03 Jun 2026 10:00:00 -0400

Long-term care is one of the biggest financial risks retirees face—but does everyone actually need long-term care insurance?

In this episode of The Capitalized Life & Retirement Show, Matthew Johnson tackles one of the most important—and most misunderstood—questions in retirement planning: Who should seriously consider long-term care protection, and who may not need it at all?

The reality is that nearly half of Americans will require some form of long-term care during their lifetime, yet many people either ignore the risk entirely or purchase coverage without understanding whether it truly fits their financial situation.

In this episode, you'll learn:

Why long-term care is one of the greatest threats to retirement savings
The surprising statistics behind long-term care needs
The "three buckets" of retirees and which group benefits most from coverage
When self-insuring may make sense—and when it may not
The differences between standalone long-term care insurance and hybrid solutions
How life insurance and annuities can provide long-term care benefits
Why protecting a surviving spouse may be one of the strongest reasons to consider coverage
How proper income planning can help fund long-term care protection

Matthew explains how long-term care planning isn't just about protecting yourself—it's about preserving your assets, your legacy, and your family's financial future. Whether you have $250,000 saved, $2 million saved, or somewhere in between, understanding your options could make a significant difference in retirement.

If you've ever wondered whether long-term care insurance is worth it, this episode provides a practical framework for evaluating your situation.

#LongTermCare #LongTermCareInsurance #RetirementPlanning #RetirementIncome #EstatePlanning #WealthManagement #FinancialPlanning #Retirement #JohnsonWealthAndIncomeManagement #TheCapitalizedLifeAndRetirementShow

Matthew P. Johnson is President and Owner of Johnson Wealth and Income Management, a third-generation company that has been serving clients for over 75 years. Matthew has been advising clients in the financial services industry since 1999. He strives to educate clients on how to invest for income, help to avoid loss by utilizing more conservative investment options, and is dedicated to helping them achieve a well-planned retirement. Johnson Wealth and Income Management is committed to educating its clients and the community through workshops on topics related to more conservative investment alternatives. Website: https://www.johnsonwim.com/ Investment Advisory Services offered through Sound Income Strategies, LLC, an SEC Registered Investment Advisory Firm. Johnson Wealth and Income Management and Sound Income Strategies, LLC are not associated entities. Johnson Wealth and Income Management is a franchisee of Retirement Income Source, LLC. Retirement Income Source, LLC and Sound Income Strategies, LLC are associatedentities.

The Enemies of Principal: Probate and Medicaid

Wed, 27 May 2026 10:00:00 -0400

When should you take your Required Minimum Distributions… and could the timing cost you more than you realize?

In this episode of The Capitalized Life & Retirement Show, Matthew Johnson breaks down the often-overlooked topic of RMD timing—and why getting it wrong can have real financial consequences in retirement.

Many retirees focus on what they have saved… but not when and how they take distributions. That mistake can impact taxes, income strategy, and long-term financial stability.

In this episode, you’ll learn:

What Required Minimum Distributions (RMDs) are and when they begin
Why timing your withdrawals correctly can make a major difference
How poor timing can lead to unnecessary taxes and missed opportunities
The role of income planning in retirement—not just accumulation
How to align your RMD strategy with your broader retirement goals
Why distribution strategy is just as important as investment strategy

Matthew explains how small decisions—like when you take income—can have a lasting impact on your retirement success.

If you want to avoid costly mistakes and make smarter income decisions in retirement, this episode is a must-watch.

How to Truly Avoid Medicaid Spenddown

Wed, 20 May 2026 10:00:00 -0400

Worried about losing your assets to nursing home costs or the Medicaid spenddown process?

In this episode of The Capitalized Life & Retirement Show, Matthew Johnson breaks down one of the biggest concerns in retirement planning: how to protect your assets from being drained by long-term care expenses.

Many people believe the only solution is complicated legal strategies—but the truth may be much simpler (and more effective).

In this episode, you’ll learn:

What the Medicaid spenddown process really is—and why it’s so painful
How probate can impact your estate and how to potentially avoid it
The role of trusts vs. wills in protecting your assets
Why relying solely on legal loopholes can be risky
How generating income from your principal can change everything
Why long-term care insurance may be one of the smartest moves you can make
How to shift financial risk away from you and onto an insurance company

Matthew explains how proper planning—focused on income, protection, and strategy—can help you avoid unnecessary stress, preserve your legacy, and protect your family.

If you want to safeguard your retirement from unexpected healthcare costs, this episode is a must-watch.

#MedicaidPlanning #RetirementPlanning #LongTermCare #EstatePlanning #WealthProtection #FinancialFreedom #RetirementIncome

The Single Most Important Legal Document You Need

Wed, 13 May 2026 10:00:00 -0400

What if one simple document could protect your finances, your family, and your future?

In this episode of The Capitalized Life & Retirement Show, Matthew Johnson answers a critical question: What is the most important legal document you should have—no matter your age?

The answer might surprise you—and not having it in place could create serious problems for you and your loved ones.

In this episode, you’ll learn:

What a financial (durable) power of attorney is and why it matters
How this document protects you while you’re still living
Common misconceptions that cause unnecessary fear or hesitation
Who you should (and shouldn’t) choose to make decisions for you
The difference between immediate vs. springing power of attorney
Why outdated documents can be just as risky as not having one at all
How this one step can prevent delays, stress, and legal complications for your family

Matthew breaks down this topic in plain English, explaining how a properly structured and updated power of attorney can save your family from confusion, delays, and financial hardship during critical moments.

Whether you’re 39 or 99, this is one document you can’t afford to ignore.

#EstatePlanning #PowerOfAttorney #RetirementPlanning #FinancialFreedom #WealthManagement #LegalPlanning #RetirementTips

That’s NOT My Job

Wed, 06 May 2026 10:00:00 -0400

When it comes to your financial future, who’s really responsible for what?

In this episode of The Capitalized Life & Retirement Show, Matthew Johnson breaks down a common misunderstanding people have when working with financial professionals—and why hearing “that’s not my job” might actually be more important than you think.

Many people expect their financial advisor to do everything—tax planning, legal advice, insurance guidance, and more. But the reality is, no single person can do it all… and trying to find one who does could actually hurt your retirement strategy.

In this episode, you’ll learn:

Why no financial advisor can (or should) do everything
The different roles of key financial professionals (CPA, attorney, advisor, insurance specialist)
Why collaboration—not “one person doing it all”—is the key to better outcomes
How a great advisor acts more like a quarterback than a one-man team
What to look for when choosing the right advisor for your stage of life
Why communication and coordination can make or break your retirement plan

Matthew compares the financial world to the medical field—where the best outcomes come from teams of specialists working together, not isolated advice.

If you want clarity, confidence, and a smarter approach to managing your finances in retirement, this episode is a must-watch.

What's Controlling Your Retirement?

Wed, 29 Apr 2026 11:00:00 -0400

Are you really in control of your retirement… or is something else calling the shots?

In this episode of The Capitalized Life & Retirement Show, Matthew Johnson tackles a simple—but powerful—question: what is truly controlling your retirement? The answer might surprise you.

Many retirees believe their advisor, portfolio, or decisions are in control… but in reality, the stock market often dictates their lifestyle, spending, and peace of mind.

In this episode, you’ll discover:

Why market volatility may be controlling your retirement decisions
The hidden danger of relying too heavily on stock-based strategies
Why many retirees unknowingly stay stuck in the accumulation mindset
How to transition properly into the distribution phase of life
The importance of creating predictable, reliable income streams
How to regain control and stop letting headlines dictate your future

Matthew breaks down how to shift from uncertainty and stress… to confidence, clarity, and consistent income—so your retirement works for you, not the market.

🎯 If market swings affect your sleep, your spending, or your decisions—this episode is for you.

Dormant Accounts are KILLING Your Retirement

Wed, 22 Apr 2026 11:00:00 -0400

Are old retirement accounts quietly holding you back?

In this episode of The Capitalized Life & Retirement Show, Matthew Johnson breaks down one of the most overlooked threats to your financial future: dormant retirement accounts. These are accounts from previous employers—like 401(k)s, 403(b)s, or similar plans—that are no longer being actively contributed to… and that could be costing you more than you realize.

You’ll learn:

What a dormant retirement account actually is
Why “out of sight, out of mind” can be dangerous
How missing out on dollar cost averaging can impact your long-term growth
The hidden fees and limitations inside old employer plans
Why rolling over into an IRA could give you more control, flexibility, and opportunity
How to potentially turn your retirement savings into a consistent income stream

Matthew uses simple, real-world examples to explain how small missed opportunities today can lead to major consequences later—and what you can do right now to fix it.

If you’ve changed jobs, retired, or simply haven’t looked at your old accounts in a while… this episode is a must-watch.

🎯 Don’t let dormant accounts stall your retirement strategy—put your money back to work.

Tax-Free, Taxable Income

Wed, 25 Mar 2026 12:08:16 -0400

Are tax-free income strategies, pretax retirement accounts, IRA withdrawals, business losses, and retirement tax planning being used to your full advantage as a business owner? In this episode of the Capitalized Life & Retirement Show, I break down a powerful but often overlooked opportunity for business owners: using business losses—whether intentional or incidental—to offset income and potentially withdraw money from traditional IRAs, SEP IRAs, or SIMPLE IRAs with little to no tax liability. We discuss the pros and cons of heavily funding pretax accounts like 401(k)s, how many retirees end up in the same tax bracket despite decades of saving, and why tax diversification matters more than most people realize. You’ll also learn how today’s larger standard deductions and evolving tax laws impact planning, and why proactive strategies can help you avoid overpaying taxes in retirement. If you’re a business owner or high-income earner looking to maximize efficiency and create more tax-advantaged income, this episode will help you think differently about your retirement strategy. Matthew P. Johnson is President and Owner of Johnson Wealth and Income Management, a third-generation company that has been serving clients for over 75 years. Matthew has been advising clients in the financial services industry since 1999. He strives to educate clients on how to invest for income, help to avoid loss by utilizing more conservative investment options, and is dedicated to helping them achieve a well-planned retirement. Johnson Wealth and Income Management is committed to educating its clients and the community through workshops on topics related to more conservative investment alternatives. Website: https://www.johnsonwim.com/ Investment Advisory Services offered through Sound Income Strategies, LLC, an SEC Registered Investment Advisory Firm. Johnson Wealth and Income Management and Sound Income Strategies, LLC are not associated entities. Johnson Wealth and Income Management is a franchisee of Retirement Income Source, LLC. Retirement Income Source, LLC and Sound Income Strategies, LLC are associated entities.

What Your Spouse Will Never Say About Money

Fri, 13 Mar 2026 10:00:23 -0400

Are your retirement taxes, required minimum distributions (RMDs), Roth conversions, Social Security decisions, and pretax retirement accounts setting your surviving spouse up for a future tax burden? In this episode of the Capitalized Life & Retirement Show, I discuss one of the most overlooked areas of retirement planning: how financial decisions made today can dramatically impact a surviving spouse tomorrow. We break down the difference between pretax, post-tax, and tax-free money, why relying too heavily on traditional IRAs and 401(k)s can create a tax problem later, how filing jointly vs. single can increase taxes for widows and widowers, and why proactive strategies like Roth conversions and tax diversification may help reduce a future “tax time bomb.” This is a candid conversation about spousal financial communication, long-term income planning, estate considerations, and protecting the person you love from unnecessary IRS burdens. If you’re married and serious about retirement planning, this is an episode you don’t want to miss. Matthew P. Johnson is President and Owner of Johnson Wealth and Income Management, a third-generation company that has been serving clients for over 75 years. Matthew has been advising clients in the financial services industry since 1999. He strives to educate clients on how to invest for income, help to avoid loss by utilizing more conservative investment options, and is dedicated to helping them achieve a well-planned retirement. Johnson Wealth and Income Management is committed to educating its clients and the community through workshops on topics related to more conservative investment alternatives. Website: https://www.johnsonwim.com/ Investment Advisory Services offered through Sound Income Strategies, LLC, an SEC Registered Investment Advisory Firm. Johnson Wealth and Income Management and Sound Income Strategies, LLC are not associated entities. Johnson Wealth and Income Management is a franchisee of Retirement Income Source, LLC. Retirement Income Source, LLC and Sound Income Strategies, LLC are associated entities.

What If You're Next?

Tue, 03 Jun 2025 09:00:00 -0400

Job loss. Market downturns. Health scares. They happen—often without warning. In this episode of The Capitalized Life & Retirement Show, we ask the hard question: What if you're next? More importantly, are you ready? Learn how to build a plan that protects your income, preserves your lifestyle, and gives you peace of mind—no matter what comes your way. Because in today’s world, hoping for the best isn’t enough. Tune in and get prepared.

Its Not Just You

Tue, 27 May 2025 10:00:00 -0400

Feeling uneasy about the market? Wondering if your retirement plan is still on track? You're not alone. In this episode of The Capitalized Life & Retirement Show, we explore the shared worries so many people are facing—and why they’re completely normal. From inflation to volatility, we unpack what’s really going on and how you can move forward with confidence.

Eye Of The Storm

Mon, 19 May 2025 17:30:00 -0400

Markets crashing, headlines screaming, emotions running high—how do you stay grounded? In this episode of The Capitalized Life & Retirement Show, we explore how to find clarity in the chaos. Discover proven strategies to stay focused, protect your retirement plan, and make sound decisions—even when it feels like the world is spinning. Because in the eye of the storm, calm isn’t just a luxury—it’s your greatest financial weapon.

Opportunities Abound

Mon, 12 May 2025 22:45:00 -0400

Even in uncertain times, smart investors know how to find opportunity. In this episode of The Capitalized Life & Retirement Show, we dive into why volatile markets often bring hidden advantages—and how you can help position yourself to capitalize on them. From overlooked asset classes to income-generating strategies, discover how to help shift your mindset and spot the upside. Because when others see risk, you should see possibility.

The Voice Of Reason

Mon, 05 May 2025 20:15:00 -0400

In a world full of financial opinions, market hype, and doomsday headlines, how do you know who to trust? In this episode of The Capitalized Life & Retirement Show, we become your voice of reason—breaking down the noise and giving you clear, grounded guidance for building a confident retirement plan. No gimmicks. No fear tactics. Just smart, steady advice to help you stay the course and protect what you've worked so hard to build. Tune in and find clarity in the chaos.

Sooner Than Expected

Tue, 29 Apr 2025 10:00:00 -0400

Sometimes retirement—or major life changes—arrive faster than planned. In this episode of The Capitalized Life & Retirement Show, we talk about how to prepare for the unexpected, from early retirement offers to sudden health events. Learn the strategies that can help you stay flexible, protect your income, and pivot with confidence when life throws you a curveball. Being ready isn’t just smart—it’s essential.

Losing Yourself In Retirement

Tue, 22 Apr 2025 19:30:00 -0400

Retirement isn’t just a financial transition—it’s an emotional one too. In this episode of The Capitalized Life & Retirement Show, we explore what happens when the routine, identity, and purpose tied to your career suddenly disappear. From battling boredom to rediscovering passions, we’ll show you how to help create a retirement that’s not only more financially secure but personally fulfilling. Tune in and learn how to help find yourself again in this new chapter of life.

Over Age 59 Mistakes

Tue, 15 Apr 2025 11:00:00 -0400

Just because you're over 59½ doesn’t mean you're in the clear—many people still make critical errors that can derail their retirement. In this episode of The Capitalized Life & Retirement Show, we uncover the most common mistakes made after age 59, from poor withdrawal strategies to unnecessary taxes and missed income opportunities. If you’re in or nearing retirement, don’t let avoidable missteps cost you peace of mind.

Find Every Nickle

Mon, 07 Apr 2025 20:45:00 -0400

Are you leaving money on the table? In this episode of The Capitalized Life & Retirement Show, we show you how to uncover hidden opportunities in your financial plan—those overlooked expenses, tax efficiencies, and income sources that could make a big difference in retirement. It’s not just about big wins—it’s about finding every nickel, because small changes can lead to major results. Tune in and learn how to squeeze more value out of what you already have!

Don't Look

Tue, 01 Apr 2025 14:15:00 -0400

When markets get shaky, the instinct to check your accounts constantly can do more harm than good. In this episode of The Capitalized Life & Retirement Show, we explore why sometimes the best financial move… is not to look.

The Right Kind Of Money

Mon, 24 Mar 2025 17:00:00 -0400

Not all money is created equal—especially when it comes to retirement. In this episode of The Capitalized Life & Retirement Show, we dive into the difference between having money and having the right kind of money.

Stop Stealing From Yourself

Mon, 17 Mar 2025 17:15:00 -0400

Are your financial habits quietly sabotaging your future? In this episode of The Capitalized Life & Retirement Show, we uncover the hidden ways people drain their wealth—whether it’s dipping into savings too soon, making emotional investment decisions, or neglecting long-term planning.

Cut, Hold, Hike

Mon, 10 Mar 2025 15:00:00 -0400

Interest rates can make or break markets, but what will the Fed do next—cut, hold, or hike? In this episode of The Capitalized Life & Retirement Show, we break down what these decisions mean for your investments, savings, and retirement plans.

The Wall Street Horse Race

Tue, 04 Mar 2025 08:15:00 -0500

Is investing like picking a winning horse, or is there more to the race? In this episode of The Capitalized Life & Retirement Show, we explore the fast-paced world of Wall Street, the risks of chasing trends, and the strategies that separate smart investors from those just gambling on the market.

The Cost Of Doing Business

Tue, 25 Feb 2025 08:00:00 -0500

Success doesn’t come free—every decision in business and investing has a price. In this episode of The Capitalized Life & Retirement Show, we break down the hidden costs of financial growth, from taxes and inflation to risk and opportunity cost.

In For A Penny, In For A Pound

Tue, 18 Feb 2025 09:00:00 -0500

When it comes to investing and financial decisions, commitment matters—but are you all in on the right things? In this episode of The Capitalized Life & Retirement Show, we explore the power (and pitfalls) of going all-in on financial strategies, from long-term investments to retirement planning.

A New Tariff In Town

Wed, 12 Feb 2025 05:00:00 -0500

Tariffs can shake up markets, industries, and even your wallet. In this episode of The Capitalized Life & Retirement Show, we break down the latest tariff changes, who they impact the most, and how they could affect your investments and retirement planning.

Means Revert

Wed, 05 Feb 2025 09:00:00 -0500

Markets go up, markets go down—but over time, they tend to revert to the mean. In this episode of The Capitalized Life & Retirement Show, we explore the concept of mean reversion and why it’s a critical factor in long-term investing.

Market Heartburn

Wed, 29 Jan 2025 05:45:00 -0500

Market swings keeping you up at night? In this episode of The Capitalized Life & Retirement Show, we tackle the ups and downs of market volatility and how to keep your financial plan on track—without the stress. Learn why emotional investing can cost you, how to stay level-headed in turbulent times, and strategies to protect your portfolio for the long run. Don’t let market heartburn derail your retirement—tune in now!

Why P/E Ratios Matter

Wed, 22 Jan 2025 11:00:00 -0500

Ever wonder how seasoned investors evaluate stocks and make informed decisions? In this episode of The Capitalized Life & Retirement Show, we break down the Price-to-Earnings (P/E) ratio and why it’s a critical tool for assessing a company’s value.

Tune in to the latest episode of The Capitalized Life and Retirement Show with Matthew P. Johnson to learn how to take control of your financial future!

The No Regret Retirement

Mon, 13 Jan 2025 09:00:00 -0500

What if you could retire without looking back and wondering, What if? In this episode of The Capitalized Life & Retirement Show, we reveal the key strategies to help create a retirement plan you’ll never regret.

A Crucial Warning to Parents: Protecting Your Family's Financial Future

Sat, 04 Jan 2025 06:00:00 -0500

As a parent, your financial decisions today can have lasting impacts on your children’s future. In this powerful episode of The Capitalized Life & Retirement Show, we dive into common financial pitfalls parents face and how to help avoid them. From estate planning to teaching kids about money, discover the strategies that can help secure your legacy and set your family up for more success. Don’t miss this essential episode—your family’s future may depend on it!

The Costly Mistake: Are You Spending Your Principal Too Soon?

Wed, 11 Dec 2024 06:00:00 -0500

Tapping into your principal too early can derail your retirement plans and jeopardize your financial future. In this episode of The Capitalized Life & Retirement Show, we break down why this common mistake can lead to unnecessary stress and insecurity—and what you can do to avoid it. Learn how to protect your nest egg, create sustainable income, and enjoy a retirement free from financial worry. Tune in and safeguard your financial future today!

The Secret Investment Strategy of the Wealthy

Fri, 06 Dec 2024 06:00:00 -0500

Ever wonder why the rich focus on income rather than just growth? In this episode of The Capitalized Life & Retirement Show, we uncover the powerful investment strategies that set the wealthy apart. Discover how prioritizing income can create stability, reduce risk, and ensure financial independence, especially in retirement. Tune in to learn why this approach works and how you can apply it to your own financial journey.

Do You Feel Lucky Punk?

Wed, 20 Nov 2024 09:00:00 -0500

Feeling lucky? The iconic Dirty Harry line, "Do you feel lucky, punk? Well, do ya?" might bring a nostalgic smile, but it also underscores an important truth about retirement planning: luck can only take you so far. True success comes from making informed, strategic decisions at every turn.

Tune in to the latest episode of The Capitalized Life and Retirement Show with Matthew P. Johnson to learn how to take control of your financial future!

So Many Things So Little Time

Tue, 12 Nov 2024 09:00:00 -0500

As retirement approaches, reducing risk becomes a top priority. One of the greatest fears retirees have is running out of money before they run out of time. To help ensure a secure future, making strategic adjustments that protect your principal is crucial. Tune in to today’s episode of The Capitalized Life & Retirement Show with Matthew P. Johnson to learn more.

Where The Puck Is Going

Wed, 06 Nov 2024 09:00:00 -0500

Wayne Gretzky famously said, 'Skate to where the puck is going, not to where it has been.' This wisdom also applies to your finances—having a clear purpose for your money is often more valuable than simply chasing performance.

Join Matthew P. Johnson on The Capitalized Life & Retirement Show to explore how aligning your financial strategy with your life goals can set you up for a more secure and fulfilling future.

Debunking Retirement Myths

Wed, 30 Oct 2024 10:00:00 -0400

Sometimes, what’s marketed as ‘new and groundbreaking’ in finance is really just an old idea with a fresh coat of paint. The industry is filled with so-called ‘revolutionary’ tech that hasn’t changed much. Tune in to the latest Capitalized Life and Retirement Show, where Matthew P. Johnson dives into the facts behind the hype—helping you see through the noise and uncover what truly matters.

Going It Alone

Wed, 23 Oct 2024 10:00:00 -0400

The saying, 'If you want to go fast, go alone. If you want to go far, go together,' applies to many areas of life—including investing for retirement. While many options are available for DIY investors, having the right guidance can make all the difference in achieving long-term success. Tune in to today’s Capitalized Life and Retirement Show with Matthew P. Johnson to learn more.

Getting a Real Return On Your Money

Tue, 08 Oct 2024 10:00:00 -0400

You've worked hard to build your retirement savings, but what comes next? How can you help ensure your investments deliver real returns? Join Matthew P. Johnson in the latest episode of Capitalized Life and Retirement Show as we explore strategies to help make your money work for you, minimize risk, and protect your wealth for future generations.

The Happiest Retirees

Wed, 21 Aug 2024 10:00:00 -0400

What truly defines a happy retiree? Is it the enriching experiences and passions they embrace or the ability to let go of the stress and worries that once weighed them down?

Tune into the latest episode of The Capitalized Life and Retirement Show with Matthew P. Johnson to discover practical strategies for eliminating stressors and creating a financially secure and fulfilling retirement here.

The Last Call

Wed, 07 Aug 2024 10:00:00 -0400

Recent world news has been intense—Federal Reserve changes, interest rates, and the upcoming election might have your head spinning. Understanding how these factors impact your financial future is crucial.

In today’s latest episode of the Capitalized Life & Retirement Show, Matthew P. Johnson breaks down these complex topics, offering insights and strategies to help you navigate your retirement journey with confidence. Tune in to learn more!

Second Opinion

Tue, 30 Jul 2024 10:00:00 -0400

When was the last time you applied a second opinion approach to your financial well-being? Financial decisions can be complex and have long-lasting consequences, making it essential to get the full picture. Tune in to today's episode of 'Key to Retirement Success' with Matthew P. Johnson, where we'll explore the importance of seeking a second opinion on your financial strategy and how it can pave the way for a more secure and prosperous retirement.

Women's Retirement Crisis

Mon, 22 Jul 2024 10:00:00 -0400

Women face unique challenges when it comes to saving and investing for retirement. In today’s episode, we’ll explore an article from BlackRock that highlights the financial disparities between men and women, emphasizing how differing approaches to money can impact retirement planning.

Tune into the latest Capitalized Life and Retirement Show with Matthew P. Johnson to learn more.

Do You Feel Lucky?

Wed, 17 Jul 2024 10:00:00 -0400

"Do you feel lucky, punk? Well, do ya?" Surprisingly, this iconic line from Dirty Harry captures the essence of retirement planning. While luck can play a role, the real key lies in making informed decisions every day.

Join us on the latest episode of the Capitalized Life and Retirement Show with Matthew P. Johnson as he delves into these critical stages of retirement and how to mitigate the element of luck through smart planning.

Too Much of a Good Thing?

Tue, 25 Jun 2024 10:00:00 -0400

Is it possible to have too much of a good thing? This age-old question isn't just for philosophers; it's incredibly relevant to investing for your future, too. Whether you're just starting to plan your golden years or looking to refine your existing portfolio, today's episode is packed with essential advice on balancing growth with safety for a prosperous retirement. Tune in to listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson to learn more.

The Debt Debacle

Wed, 05 Jun 2024 10:00:00 -0400

The burden of debt can significantly impact your ability to reach your retirement goals; this is especially true for those approaching their golden years. In today's episode of the Capitalized Life and Retirement Show, Matthew P. Johnson will provide insights and strategies to help you pave the way toward a debt-free and prosperous financial future. Tune in to learn more.

For The Long Haul

Thu, 30 May 2024 10:00:00 -0400

Are you ready for a longer-than-expected retirement?

With life expectancies on the rise, preparing for a retirement that could span several decades is crucial. Ensuring your financial security during these years requires a comprehensive retirement strategy.

Join Matthew P. Johnson on the latest Capitalized Life and Retirement Show as he explores strategies for achieving a sustainable and fulfilling retirement.

Mailbag

Wed, 22 May 2024 10:00:00 -0400

It's Mailbag time! Our first question comes from Roberta, who asks: "I want to eventually retire, but I'm currently balancing that with sending my kids to college, and my husband wants to buy a vacation home. How can we manage all these financial goals?"

The best way to juggle retirement planning and other major life expenses is by understanding different withdrawal strategies. Tune in to the latest episode of the Capitalized Life and Retirement Show with Matthew P. Johnson to learn more!

Debunking Retirement Myths

Thu, 09 May 2024 10:00:00 -0400

Every now and then, we encounter old ideas dressed up as new. Take the financial industry, for example, where we're presented with outdated technology as revolutionary, even though it hasn't really changed much. Tune in to the Capitalized Life and Retirement Show for our latest episode, where Matthew P. Johnson will guide us in separating truth from fiction.

Work Longer They Say

Wed, 01 May 2024 10:00:00 -0400

In today's episode, we're breaking down the annual letter that the CEO of BlackRock, Larry Fink, sent to his Investors. This year’s edition, “Time to Rethink Retirement,” focused on a looming retirement crisis and the need to better equip future generations to thrive as they age. Tune in to the latest Capitalized Life and Retirement Show with Matthew P. Johnson to learn more.

Financial Spring Cleaning

Tue, 23 Apr 2024 10:00:00 -0400

With winter behind us and warmer weather here, you've likely begun your spring cleaning. But when did you last tidy up your monetary clutter? In today's episode of The Capitalized Life and Retirement Show, Matthew P. Johnson will be sharing some tips to help you organize your finances effectively.

Waiting for What

Tue, 16 Apr 2024 10:00:00 -0400

New labor data last week shows that U.S. prices in March rose 3.5% from a year ago, hotter than economists expected and the third straight month that inflation has accelerated. What does this mean to investors? Should you make changes to your investment portfolio or wait? Tune in to the Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

Dubious Retirement

Tue, 09 Apr 2024 10:00:00 -0400

Does the thought of retirement stress you out? Have you ever considered extending your working years as part of your retirement plan? If you're nearing retirement age, you're not alone. Tune in to the Capitalized Life and Retirement Show with Matthew P. Johnson to discover strategies for easing these concerns on your journey to a secure and comfortable transition.

Bubblicious Market

Wed, 03 Apr 2024 10:00:00 -0400

Let's take a look at the recent trends in the stock market over the past few months. Are we witnessing signs of overheating? Are there indications of increased market volatility?

Tune in to today's Capitalized Life and Retirement Show, where Matthew P. Johnson will provide key market monitoring tips.

Too Little, Too Late, Too Long

Tue, 26 Mar 2024 10:00:00 -0400

While the phrase ‘too little, too late, too long’ might seem pessimistic, on today’s episode of The Capitalized Life and Retirement with Matthew P. Johnson, we explore each dimension and its relevance to retirement planning. Our mission? To alleviate any concerns and empower you to embrace retirement with confidence! Listen here to learn more.

Mailbag

Wed, 13 Mar 2024 10:00:00 -0400

We're diving into our mailbag to address some pressing questions. Today's listener, Jocelyn, asks, "I've just turned 60, and I'm feeling anxious about how much longer I can work before retiring. I have debt that I am working to pay off, but the high-interest rates are taking a toll on me. Should I consider starting my Social Security benefits early?"

Listen to Matthew's response and advice in the latest Capitalized Life and Retirement Show here.

Do What's Hard Now

Tue, 27 Feb 2024 09:00:00 -0500

What does it take to retire in today's world? Hard work, tough conversations, and a solid strategy. Tune in to the latest episode of the Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

Hot Inflation

Tue, 20 Feb 2024 09:00:00 -0500

While the consumer price index is projected to have risen 0.2% in the final month of 2023 (or 3.2% for the full year), there is a wide gap between what the Fed has indicated in terms of rate cuts and what the market is expecting.

Curious about the recent conflicting news on inflation? You're not alone. Tune into the latest episode of the Capitalized Life and Retirement Show featuring Matthew P. Johnson here to learn more.

Cash Value Gold Mine

Wed, 14 Feb 2024 09:00:00 -0500

Uncover a hidden financial asset by exploring the cash value within your life insurance policy. This frequently overlooked feature presents a valuable opportunity for financial growth and flexibility.

Tune in to the latest episode of the Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

Business Owner Blunders

Wed, 07 Feb 2024 09:00:00 -0500

Business owners have many responsibilities ranging from managing finances and personnel to navigating market changes and customer needs. But running a business doesn't come without layers of complexity and daunting challenges.

Join us as we reveal some red flags to watch out for in the latest Capitalized Life and Retirement Show with Matthew P. Johnson here.

It's A Plan, But Is It The Right One?

Thu, 01 Feb 2024 09:00:00 -0500

Do you have a well-defined retirement plan, and is it the best option for your unique needs? Saving for your golden years often feels overwhelming, but exploring your options can help you see problems you might have missed while finding better ways to save, spend, and grow your nest egg.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

It Looks Promising BUT

Wed, 24 Jan 2024 09:00:00 -0500

Similar to Iowa's ever-changing seasons, the stock market also experiences its own series of changes. Whether it's due to rising inflation or fluctuating interest rates, these factors can have an impact on your retirement savings. And while it seems like winter might be coming to an end, it may not be the same case for the stock market.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

Emotional Decisions With Long-Term Implications

Tue, 16 Jan 2024 09:00:00 -0500

When planning for your retirement, it's crucial to consider not only short-term financial decisions but also long-term ones. Your golden years should be a time of financial security and peace of mind, which requires thoughtful planning and foresight.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

All of It, Always, All of The Time

Tue, 09 Jan 2024 09:00:00 -0500

How much of your money should be generating income? Whether you're in the accumulation stage or retired and in the distribution stage, the answer is unequivocally all of it at all times.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

Take Control For 2024

Tue, 02 Jan 2024 09:00:00 -0500

Managing your money in 2024 is crucial. Regardless of any past mistakes, each day presents a fresh opportunity. You have the power to make financial improvements. Let's make 2024 a year of keeping our resolutions.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more

2023 In Review

Tue, 26 Dec 2023 09:00:00 -0500

When we think about 2023, we remember the events that unfolded overseas in September and October. However, in November, the stock market hit an all-time high. While things are going well now, it's important to remember that this good fortune won't last forever.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

Year-End Tax Considerations

Wed, 13 Dec 2023 09:00:00 -0500

As we near the end of the year, our thoughts naturally turn to taxes. This time of year typically prompts us to consider our financial responsibilities and take necessary actions to ensure a smooth tax season for 2024.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

What's On The Horizon?

Tue, 05 Dec 2023 09:00:00 -0500

Wars, Congress, and the Federal Reserve have made predicting the economy's future difficult. As we peel back the layers of uncertainty to see what's inside, we can observe that November was a record-breaking month. However, the big question remains: How can we predict how the rest of the year will unfold?

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

Lifestyle Planning

Wed, 29 Nov 2023 09:00:00 -0500

While achieving financial stability and improving your quality of life during retirement is important, it's equally vital to consider the broader dimensions of your life's journey.

Discover how lifestyle planning can change your perspective on retirement preparation by listening to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here.

The 5 P's

Mon, 20 Nov 2023 09:00:00 -0500

Fiduciaries prioritize their clients' success when it comes to retirement savings. The five P's can be a helpful framework in helping ensure that your retirement planning is on the right track.

Find out what the "Five P's" are by listening to the latest Capitalized Life and Retirement show here.

The Life Insurance Pickle

Wed, 15 Nov 2023 09:00:00 -0500

Many people own life insurance, but they often find it intimidating and shrouded in mystery. You might think about the agent who sold it to you or the company you got it from, and then you seldom hear from them again. However, life insurance is important and can affect you and your loved ones in significant ways.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

The Guide

Tue, 07 Nov 2023 09:00:00 -0500

Have you ever found yourself lost in an unfamiliar place? The road to retirement can feel like getting lost in a foreign destination. In a world full of chaos and unpredictability, a financial advisor can make a big difference.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

It's Not Going To Last

Wed, 01 Nov 2023 10:00:00 -0400

Our parents and grandparents often said, "They don't make them like they used to," expressing a belief in the declining quality of goods over time. Today, we not only face concerns about product durability but also about societal and economic stability.

These uncertainties raise questions about the long-term future and what lies ahead. Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

When Mom And Dad Get Old

Thu, 26 Oct 2023 10:00:00 -0400

As parents age, it brings about new challenges in communication and decision-making. Navigating through these transitions requires patience, empathy, and open communication to find solutions that honor aging parents' wishes.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

What Safe Really Means

Tue, 17 Oct 2023 10:00:00 -0400

Today, we're addressing a common question received at Johnson Wealth and Income Management.

Our listener for today, Janet, is still working and relies on a financial advisor. In 2022, she experienced significant financial losses and hasn't bounced back yet. She's been on a financial rollercoaster. Her advisor claims she's secure, but she's uncertain about what "safe" truly implies.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to find out more.

The Golden Years Fear

Wed, 11 Oct 2023 10:00:00 -0400

Our society tells us that retirement is a wonderful time to enjoy the rewards of our hard work. However, many Americans feel anxious about their retirement future.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

Unmistakable Risks and Opportunities

Tue, 03 Oct 2023 10:00:00 -0400

Life has its share of risks and opportunities. It's important to consider both when making choices, especially when it comes to planning your retirement.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

Now What?

Wed, 27 Sep 2023 10:00:00 -0400

You've probably heard the saying, "You can't fight the FED," but what does it really mean? Well, it means that the Federal Reserve (FED) greatly impacts our money and what we can buy.

The FED's decisions can directly influence our economy. Even as inflation led to higher interest rates, the FED chose not to adjust them.

To learn more, tune in to the latest episode of the Capitalized Life and Retirement Show with Matthew P. Johnson.

Mailbag

Wed, 20 Sep 2023 10:00:00 -0400

Today, we're opening the virtual mailbag to answer the most pressing questions we receive here at Johnson Wealth and Income Management.

Today's listener, Judith, asks, "I'm on a fixed income, pay rent, have my Social Security income, pension, CDs, and insurance policies. But I'm not invested in stocks, and this income still isn't enough to keep up with inflation. What can I do?"

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to find out more.

The Shift You Make

Wed, 06 Sep 2023 10:00:00 -0400

From nutritional recommendations to scripted political speeches, as a nation, we are getting sick and tired of false information and hidden agendas.

Today, Matthew P. Johnson of Johnson Wealth and Income Management asks some candid questions about what we can do to start thinking - and acting - for ourselves.

Complacency Kills

Tue, 29 Aug 2023 10:00:00 -0400

As you transition into retirement, you face many important decisions that will impact your quality of life for the rest of your life.

The trouble is, that many people ignore or put off these critical decisions when it matters most.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

For The Long Haul

Tue, 29 Aug 2023 10:00:00 -0400

Are you personally prepared for a retirement that will be longer than expected?

People are living longer than you may think, so a sound retirement plan needs to anticipate a retirement that could last decades.

Listen here to learn more.

Mutual Funds - Good, Bad, or Ugly?

Tue, 15 Aug 2023 10:00:00 -0400

Mutual funds are a hot topic in 2023.

With most pre-retirees and retirees emphasizing mutual funds as important to their retirement plans, it's time to break them down once and for all.

Listen to the latest Capitalized Life and Retirement Show with Matthew Johnson here to find out more.

Longevity – The Greatest Risk Of All?

Wed, 09 Aug 2023 10:00:00 -0400

Longevity risk is the possibility that you will outlive what you have in your investments, savings, pensions, annuities and other sources of retirement income.

But is it the BIGGEST risk you’ll face in retirement? The answer may surprise you.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

The Unsung Hero of Income

Tue, 01 Aug 2023 10:00:00 -0400

Bonds get a bad rap. Rates are variable, there's a lockup period and early withdrawal penalty, and there's a limit to how much you can invest.

However, certain bonds come with a high-interest rate during inflationary periods, they're low-risk, and they help protect against inflation.

Let's take a look at how in today's economy, bonds can actually be your financial best friend.

The Dumb Tax

Mon, 31 Jul 2023 10:00:00 -0400

Mistakes, we all make them. But we all must learn from them.

From mounting debt to stock market blunders, how do you feel financially about the mistakes you’ve made? And how do you avoid repeating them?

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

The Tale of Two Mindsets

Mon, 17 Jul 2023 10:00:00 -0400

Life changes, and so should our mindsets.

When it comes to planning for our future, adapting mindsets can help you stay ahead of the evolving financial world and ultimately help set you up for retirement success.

Listen to the latest podcast with Johnson Wealth and Income Management’s Matthew P. Johnson here to learn more.

Investment Schizophrenia

Tue, 11 Jul 2023 10:00:00 -0400

Having a lack of focus and control directly (and negatively) affects your investment outcomes. The result? A portfolio that is unstable.

Find out more in the latest Capitalized Life and Retirement Show with Matthew P. Johnson here.

More Income Equals More Life

Thu, 06 Jul 2023 10:00:00 -0400

It's not about the bigger home or the better vacation. Financial stability helps people escape the everyday hassles of life.

In order to experience the lifestyle you want in retirement, you need to first plan for it. Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to find out more!

The Unpredictable Retirement

Tue, 27 Jun 2023 10:00:00 -0400

Many Americans are understandably worried about the state of the economy and what it means for their retirement.

If you're flooded with alarming news about the current financial markets, you may be asking yourself, "Is it still possible that I can have the retirement I dreamed of?"

Find out what unpredictability means for your retirement plan in the latest Capitalized Life and Retirement Show with Matthew P. Johnson here.

The Cost of 'I Don't Know'.

Tue, 20 Jun 2023 10:00:00 -0400

As an Iowan close to retirement, these three words could be more financially devastating than you may think… “I. Don’t. Know.”

Listen to the latest podcast with Matthew P. Johnson of Johnson Wealth and Income Management here to find out more.

The Specialist vs The Generalist

Thu, 15 Jun 2023 08:00:00 -0400

Our country is facing the single largest generation of retirees it has ever faced. At the same time, the number of financial advisors has dropped from over 400,000 to 200,000 in the last decade alone.

What does this mean for your retirement? You need experienced advice.

Top 5 Regrets

Wed, 07 Jun 2023 10:00:00 -0400

University of Pennsylvania’s Wharton School conducted a survey for people over the age of 50 and asked them about their top 5 financial regrets.

The answers are fascinating, and a stark warning to the rest of us approaching retirement. Listen to the latest Capitalized Life and Retirement Show here to learn more!

The More You Know The Straighter You Go

Wed, 31 May 2023 10:00:00 -0400

"The shortest distance between two places is a straight line."

In retirement planning, this translates to driving a personal goal straight to a dream destination: It sounds easy, right? But it's not always smooth, straight roads on your journey to retirement.

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to find out more.

Question Bag

Tue, 23 May 2023 10:00:00 -0400

Today's episode is all about YOU. From contact via our website to social media DMs, we're so grateful to receive your questions. Here are our top retirement questions, asked by you, and answered by us.

Listen to the latest Capitalized Life & Retirement Show with Matthew P. Johnson to hear more!

3 Vital Questions for a Successful Retirement

Wed, 17 May 2023 10:00:00 -0400

We all strive for a smooth transition to retirement. And when we get there, we want to enjoy the fruits of our labor. But it doesn’t always pan out that way – at least not without proper planning.

Matthew P. Johnson discusses the top three questions you should ask yourself to help you achieve your retirement dream. Listen to the latest Capiltalized Life and Retirement Show here to learn more.

Retirement: A Fictitious Dream?

Mon, 15 May 2023 10:00:00 -0400

Rising inflation and market volatility are dampening Americans’ confidence in their ability to live out their dream retirement.

But it doesn’t have to be that way. Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

It’s Official. It’s Not Over, Yet.

Tue, 02 May 2023 10:00:00 -0400

BREAKING NEWS: It's not over yet.

With bank-collapse headlines startling the nation, we understand the lingering fear amongst many investors, especially those nearing retirement.

As inflation cools, the overall economic condition of this country IS slowly improving, but this doesn't mean we're in the clear. Yet.

Here's how to make sure you're prepared for whatever comes next.

It’s Your Money So It’s Your Responsibility

Tue, 25 Apr 2023 10:00:00 -0400

Today’s episode may not be a pleasant one, but it is an important one.

YOUR money means what happens to it is YOUR responsibility. But you don’t have to go it alone.

The right Fiduciary can help guide you with their knowledge, identify risk factors, and make a plan to set you up for a worry-free retirement. But it starts and ends with… you guessed it; you. Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to learn more.

Post Tax Lessons

Wed, 19 Apr 2023 10:00:00 -0400

Ouch. Are you feeling the burn in your back pocket?

As we all ship hard-earned cash to Uncle Sam, it's left many of us feeling the sting. But what can we learn from this year's taxes? Can we use it to our advantage?

Listen to the latest Capitalized Life and Retirement Show with Matthew P. Johnson here to find out.

The Five P's

Wed, 12 Apr 2023 10:00:00 -0400

Matthew Johnson's passion is education. Seeing his clients succeed in retirement is his ultimate goal.

As Fiduciaries, the team at Johnson Wealth and Income Management are here to help you prepare for retirement the right way. And it all starts with the "Five P's".

Listen to the latest Capitalized Life and Retirement show here to learn more!

Rising Rates – Bad for Growth But Great for Income

Mon, 03 Apr 2023 10:00:00 -0400

A rising interest environment impacts consumers differently depending on whether they are a borrower or a saver.

In order to help financially secure your retirement, we need to be focused on one word: growth.

Listen to the latest Capitalized Life & Retirement Show with Matthew P. Johnson here to find out more.

Diversification Equals Less Risk

Wed, 29 Mar 2023 10:00:00 -0400

Diversification is the process of spreading out your money in different investments, so that you’re not too exposed to any one investment.

The primary purpose of diversification is to mitigate risk. Listen to the latest Capitalized Life & Retirement Show with Matthew P. Johnson here to learn how diversification works, why it’s so important and how to diversify your portfolio.

Supposedly Safe

Tue, 07 Mar 2023 09:00:00 -0500

Are we headed for recession? Are we already in one? Are we past the unsafe stage?

If you are losing money in your investments, or simply nervous given the current market situation, there are a few ways to help reduce your risk. But you need to take action now.

Listen to the latest Capitalized Life & Retirement show with Matthew P. Johnson here to find out more.

Where Are We? And Where Do We Go From Here?

Wed, 01 Mar 2023 09:00:00 -0500

We’re living in challenging and changing times. From inflation to interest rates, we have to be aware of the good, the bad and the ugly in order to properly evaluate our financial health.

Listen to the latest Capitalized Life & Retirement Show with Matthew P. Johnson here to find out more.

It's About How You Feel

Tue, 07 Feb 2023 09:00:00 -0500

You've finally reached the day you hang up your working hat. Now you've received your last official paycheck, how do you feel? Are the numbers in your accounts affecting how you feel? If so positively or negatively?

At the end of the day, it's about how YOU feel once you hit retirement that matters. Find out more in the latest Capitalized Life & Retirement Show with Matthew P. Johsnon here.

Singularity of Purpose

Mon, 06 Feb 2023 09:00:00 -0500

As adults, we sometimes lose focus when it comes to our retirement planning and money management. Furthermore, we don’t allow ourselves the grace of failure in order to learn and make changes.

When it comes to your retirement income strategy, ‘The Singularity of Purpose’ enables us to refocus on our financial goals while embracing, reflecting and learning from previous mistakes.

Listen to the latest Capitalized Life & Retirement Show with Matthew P. Johnson here to find out more.

Mail Bag

Wed, 25 Jan 2023 09:00:00 -0500

Over the course of the year, we get plenty of emails to the studio with specific questions on financial planning and saving for retirement.

Today, we're going to go through our top questions and provide educated answers that will hopefully help you on your way to retirement success.

Let's open the mail bag together in the latest Capitalized Life & Retirement Show with Matthew P Johnson here!

Golden Years Fears

Tue, 17 Jan 2023 09:00:00 -0500

As the last few years rocked the economy, many Americans are looking to their retirement years with dread and worry - not the Golden Years they were anticipating.

Fear of the unknown is something that can affect any one of us, so as we embark on a new year, what are the top four fears for retirees? And what can we do about it?

Listen to the latest podcast with Matthew Johnson here to find out.

Wall Street Withdrawals

Mon, 16 Jan 2023 09:00:00 -0500

When it comes to inflation and volatility, 2023 is probably going to be yet another year of havoc.

But should you withdraw all your money from the stock market? After the last few years, perhaps you've already done so. However, we need to understand what's happening in the markets in order to strategize for retirement success.

Listen to the latest podcast with Matthew Johnson here to learn more.

Top 5 Regrets

Tue, 27 Dec 2022 09:00:00 -0500

A new year is a great time to reflect on the past 365 days, and look ahead to potential changes for 2023.

A recent survey by the University of Pennsylvania's Wharton School of Business asked Americans over 50 asking what their top 5 regrets are. Listen to the latest Capitalized Life & Retirement show with Matthew Johnson here to find out the results - and how you can help avoid the same regrets in your retirement.

Get It Before It's Gone

Tue, 20 Dec 2022 09:00:00 -0500

As Matthew Johnson of Johnson Wealth & Income Management celebrates 25 years of experience in the financial planning world, he is here to talk about a time-sensitive topic - things you need to be sinking your money into before it's gone.

Listen to the last Capitalized Life and Retirement show of the year here to find out more!

Debt by the Billions

Thu, 15 Dec 2022 09:00:00 -0500

There’s debt, and then there’s debt that could potentially have a stranglehold on your retirement. Find out the facts and how you can deal with debt (especially as you near retirement) with Matthew P. Johnson in the latest Capitalized Life & Retirement Show here.

YOUR New Beginnings

Mon, 12 Dec 2022 09:00:00 -0500

Friends, family and planning for the future…

The holidays bring a whole new meaning to new beginnings. Make this year a new beginning for YOU. Find out more in the latest Capitalized Life and Retirement Show with Matthew P. Johnson here.

It's YOUR Responsibility

Wed, 30 Nov 2022 09:00:00 -0500

No one likes taking the blame. And sometimes we even prefer to point the finger. But what about taking accountability for the future? Your retirement to be specific. At the end of the day, it's your financial future, and only you should be responsible for it.

Listen to Matthew Johnson in the latest Capitalized Life and Retirement Show here to find out more.

Fixed Income: The Inflation Fighter

Wed, 09 Nov 2022 09:00:00 -0500

Why is this year different from all other years for Iowans? Inflation.

How does inflation affect fixed-income? And how does fixed-income affect inflation? Find out here.

How Can You Know If You Never Know

Tue, 25 Oct 2022 10:00:00 -0400

How many times have you asked/told someone what they need to be doing, only to be told "I know, I know..."?

In today's Capital Life & Retirement Show, Matthew Johnson discusses the inexcusable excuses we are all guilty of when it comes to managing our financial future.

The REAL Problem

Tue, 18 Oct 2022 10:00:00 -0400

Problems are an unfortunate part of daily life; Problems with your car, problems with your dishwasher, problems with your laptop.

When you can’t solve these issues on your own – no matter how hard you try – sometimes, all it takes is a brand new perspective from someone who can instantly see where the problem lies.

Whether your problems lie in the economy, markets or even your retirement portfolio, this podcast is for you.

Gold Digger

Tue, 04 Oct 2022 10:00:00 -0400

In Iowa and across the U.S, pre-retirees and retirees can invest in gold through exchange-traded funds (ETFs), buying stock in gold miners and associated companies, and buying a physical product.

But in 2022, does it still pay to invest in gold and other precious metals? Listen to the latest Capitalized Life & Retirement Show here with Matthew P. Johnson to find out.

Don't Be A Sucker

Wed, 07 Sep 2022 10:00:00 -0400

We're seeing more and more people becoming suckers - but what exactly are we talking about?

When it comes to our money, we can be suckers for a good salesman. And unfortunately, the financial world is riddled with them. Listen to the latest Capitalized Life and Retirement Show with Matthew Johnson here to find out more!

Narrowing the Disparity of Outcomes

Fri, 20 May 2022 10:00:00 -0400

When it comes to retirement, some find themselves relaxing by the ocean while others continue to grind. In this episode, we discuss 3 steps to help narrow the disparity of these outcomes.

Secure Act 2.0

Fri, 13 May 2022 10:00:00 -0400

There's lots of talk about the Secure Act 2.0, but what is it? Listen to Matthew in today's podcast to find out.

Annuities: Good Cop Bad Cop

Fri, 06 May 2022 10:00:00 -0400

The good and the bad of annuities.

Retiring with Dignity

Fri, 29 Apr 2022 10:00:00 -0400

Retire with dignity. Matthew discusses this topic in today's episode.

Easy To Ignore

Fri, 22 Apr 2022 10:00:00 -0400

Some things are easy to ignore, but they could cause big problems down the road. Listen to today's episode to learn about solving the unsolvable problems.

Three Blind Mice

Fri, 15 Apr 2022 10:00:00 -0400

These are not the mice hiding in your house or the ones in the nursery rhymes. No, these are the three people you probably have in your life that you don't bring together in your life and therefore, doing yourself a disservice - your tax preparer, financial advisor, and attorney.

Rising Rates Don't Have to Mean Less Income

Fri, 08 Apr 2022 10:00:00 -0400

Rising Rates Don't Have to Mean Less Income. But how? Listen here to the Capitalized Life to find out.

Rising Rates - Why and How to Advantage of Them

Fri, 01 Apr 2022 10:00:00 -0400

Rising rates are something we can take advantage. Listen to Matthew in today's episode to find out why and how.

The Financial Storm Shelter

Fri, 25 Mar 2022 10:00:00 -0400

Where do you take shelter when the financial storm hits? Listen in this week's podcast with Matthew Johnson.

Finding Money in Tough Times

Fri, 18 Mar 2022 10:00:00 -0400

What do you do when times are tough and you need to find some money? Matthew discusses here.

EP2143 - Why Second Opinions Are Ao Valuable

Fri, 04 Mar 2022 09:00:00 -0500

Seconds opinions are a very valuable thing. Listen here to find out why.

EP2142 - Stocks "Take" Time

Fri, 25 Feb 2022 09:00:00 -0500

Yes, stocks take time, but they also take your time. Listen to Matthew discuss in this week's podcast episode.

EP2141 - Spinning Wheel

Sat, 19 Feb 2022 09:00:00 -0500

The Spinning Wheel. Listen to Matthew discuss here.

EP 2140 - It FInally Happend

Fri, 11 Feb 2022 09:00:00 -0500

What happened? Listen to Matthew discuss now.

EP2139 - 53 Years is a Long Time

Fri, 04 Feb 2022 11:30:00 -0500

53 Years is a long time… a very long time. Today we’re diving into life expectancy and how it affects your retirement.

EP2138 - The Positive Impact of Income

Fri, 21 Jan 2022 09:00:00 -0500

What is the positive impact of income? List to Matthew Johnson discuss here.

EP2137 - Get Paid For Taking The Risk

Fri, 14 Jan 2022 09:00:00 -0500

Are you a risk-taker? How about a financial risk taker?

Listen to Matthew Johnson explain that when taking risks in your retirement income planning, make sure you get rewarded for those risks.

EP2136 - Debt VS Credit

Fri, 07 Jan 2022 09:00:00 -0500

Debt VS Credit. Listen to Matthew discuss here!

EP2135 - Immediate Gratification

Fri, 31 Dec 2021 09:00:00 -0500

Listen to Matthew discuss Immediate Gratification in today's podcast episode.

EP2134 - Fixed Income: The Inflation Fighter

Fri, 24 Dec 2021 09:00:00 -0500

Inflation inflation inflation! How do we fight it? Find out here with Matthew Johnson

EP2133 - Year End Checkup

Fri, 17 Dec 2021 09:00:00 -0500

It's that time of year to do you your year end check-up. Listen to Matthew discuss here!

EP2132 - Thankful for Income

Fri, 10 Dec 2021 09:00:00 -0500

Thankful for Income. Listen to Matthew discuss here!

EP2131 - The Model Means Everything

Tue, 07 Dec 2021 09:00:00 -0500

Listen to Matthew discuss here!

EP2130 - Are Fees to be Feared?

Fri, 03 Dec 2021 09:00:00 -0500

Are fees to be feared? Listen to Matthew discuss here!

EP2129 - Suffering In Silence

Fri, 26 Nov 2021 09:00:00 -0500

Don't suffer in silence. Matthew Johnson discusses in today's episode of The Capitalized Life and Retirement Show.

EP2128 - It's Almost Scary

Tue, 23 Nov 2021 09:00:00 -0500

What is almost scary? Tune in to Matthew's latest podcast to find out.

EP2127 - Retirement Mistakes

Fri, 19 Nov 2021 09:00:00 -0500

What are some retirement mistakes that people make? Tune in to hear Matthew discuss these mistakes.

EP2126 - The Benefits of Simplicity

Tue, 16 Nov 2021 09:00:00 -0500

What are the Benefits of Simplicity? Listen to Matthew discuss these!

EP2125 - What Happened to Happily Ever After?

Fri, 12 Nov 2021 09:00:00 -0500

What happened to happily ever after? Matthew discusses this in today's episode.

EP2124 - Longevity - The Greatest Risk of All

Tue, 09 Nov 2021 09:00:00 -0500

What do YOU think is the greatest risk in retirement?

Inflation? Long-term care costs? What about stock market volatility?

Let’s find out in the latest Capitalized Life and Retirement show with Matthew Johnson here.

EP2123 - Debt Is a Big Deal

Fri, 05 Nov 2021 10:00:00 -0400

Worried about debt in retirement?

It’s rarely a good idea to withdraw retirement savings early. However, Roth IRAs offer unique benefits to investors because they are a source of tax-free retirement distributions.

While most advice encourages investors to avoid touching their Roth IRA for as long as possible, there are several strategies to maximize its utility. Listen here to find out more!

EP2122 - Oh Boy Oh Berto

Tue, 02 Nov 2021 10:00:00 -0400

It can feel like a big step to put your investment strategy and financial future in the hands of an advisor – because not all financial advisors are created equal.

Listen to the latest Capitalized Life and Retirement Show where Matthew Johnson and special guests as they discuss red flags to look out for, what questions to ask your advisor and how to make sure you’re selecting someone who can best help you achieve your goals.

EP2121 - Save Less. Get More.

Thu, 28 Oct 2021 14:45:00 -0400

In today's episode, Matthew discusses how you can work to save less and get more.

EP2120 - Procrastination Problem

Fri, 14 May 2021 10:00:00 -0400

Tune in to hear Matthew Johnson discuss "Procrastination Problems"

EP2119 - The Woman's Fears

Fri, 07 May 2021 10:00:00 -0400

Tune in to hear Matthew Johnson discuss "The Woman's Fears"

EP2118 - The Unknown Certainty

Fri, 30 Apr 2021 10:00:00 -0400

Tune in to hear Matthew Johnson discuss "The Unknown Certainty"

EP2117 - An Ounce of Prevention = A Pound of Pain

Fri, 23 Apr 2021 10:00:00 -0400

Tune in to hear Matthew Johnson discuss An Ounce of Prevention = A Pound of Pain.

EP2116 - The War Within

Fri, 16 Apr 2021 10:00:00 -0400

Tune in to hear Matthew Johnson discuss The War Within.

EP2115 - LTC Tactics

Fri, 09 Apr 2021 10:00:00 -0400

Tune in to hear Matthew Johnson discuss Long Term Care Tactics.

EP2114 - Growing Up

Thu, 01 Apr 2021 10:00:00 -0400

Tune in to hear Matthew Johnson discuss growing up and how we never stop growing up.

EP2113 - Interest Rates - Taxes - Longevity

Thu, 25 Mar 2021 10:00:00 -0400

Tune in to hear Matthew Johnson discuss interest rates, taxes and longevity.

EP2112 - A Different Addiction

Fri, 19 Mar 2021 10:00:00 -0400

Tune in to hear Matthew Johnson discuss a different addiction.

EP2111 - Between A Rock & A Fire

Fri, 12 Mar 2021 09:00:00 -0500

Listen in to Matthew Johnson's thoughts on Between A Rock & A Fire.

EP2110 - Long Term Care – Long Term Consequences

Fri, 05 Mar 2021 09:00:00 -0500

Long Term Care – Long Term Consequences

EP2109 - Business Wealth Continuity

Fri, 26 Feb 2021 09:00:00 -0500

Business Wealth Continuity

EP2108 - Pension Problems

Fri, 19 Feb 2021 09:00:00 -0500

Pension Problems - Matthew discusses pension problems.

EP2107 - Debt vs Credit

Fri, 12 Feb 2021 09:00:00 -0500

Matthew Johnson talks about debt vs credit.

EP2106 - Buffet Style News

Fri, 05 Feb 2021 09:00:00 -0500

Buffet Style News

EP2105 - LTC The Basics

Thu, 28 Jan 2021 09:00:00 -0500

Long Term Care Basics - Matthew explains the need for having Long Term Care for your future.

EP2104 - Expect The Best Plan For The Worst

Tue, 26 Jan 2021 09:00:00 -0500

Matthew Johnson's talks about how important it is to have a Best Plan for the Worst of times. We never know what time is the worst of times coming. Be prepared!

EP2103 - Richest Soil on Earth

Sat, 16 Jan 2021 09:00:00 -0500

On this episode, Matthew Johnson's topic is Richest Soil on Earth. He discusses the importance of sharing your knowledge and not wasting your potential.

EP2102-Single Women in Retirement

Sat, 09 Jan 2021 09:00:00 -0500

Matthew Johnson talks about single women in retirement.

EP2101-Women in Investing

Mon, 04 Jan 2021 09:00:00 -0500

In this episode, Matthew Johnson talks about women in investing.

EP2046-Goal Setting for 2021

Sat, 26 Dec 2020 09:00:00 -0500

In this episode, Matthew Johnson talks about goal setting for 2021.

EP2045-Major Disconnect

Sat, 19 Dec 2020 09:00:00 -0500

On this episode, Matthew Johnson talks about major disconnect.

EP2044-Salesman or Educator

Sat, 12 Dec 2020 09:00:00 -0500

On today's episode, Matthew Johnson's topic is Salesman or Educator.

EP2043-Tool or Trap

Sat, 05 Dec 2020 09:00:00 -0500

On this episode, Matthew Johnson discusses tool or trap.

EP2042-Debt vs Credit

Sat, 21 Nov 2020 09:00:00 -0500

Matthew Johnson talks about debt vs credit.

EP2041-Superficial Symptoms

Sat, 14 Nov 2020 09:00:00 -0500

Matthew Johnson talks about superficial symptoms.

EP2040-Prepared Either Way

Sat, 07 Nov 2020 09:00:00 -0500

Matthew Johnson's topic today is prepared either way.

EP2039-My Portfolio Has a Virus

Sat, 31 Oct 2020 10:00:00 -0400

Matthew Johnson's topic today is my portfolio has a virus.

EP2038-Beneficiary Designations

Sat, 24 Oct 2020 10:00:00 -0400

Matthew Johnson speaks about beneficiary designations.

EP2037-Inflation Care and Prepare

Sat, 17 Oct 2020 10:00:00 -0400

Matthew Johnson's topic is inflation care and prepare.

EP2036-Willing To Make That Bet

Sat, 10 Oct 2020 10:00:00 -0400

Matthew Johnson's topic this episode is about being willing to make that bet.

EP2035-Because You Never Know

Sat, 03 Oct 2020 10:00:00 -0400

Matthew Johnson speaks about the importance of being prepared because you never know what can happen.

EP2034-The Will to Win

Thu, 24 Sep 2020 10:00:00 -0400

Matthew Johnson speaks about The Will to Win.

EP2033 - Minor Adjustment or Major Overhaul

Sat, 19 Sep 2020 10:00:00 -0400

Matthew Johnson talks about if you need a Minor Adjustment or Major Overhaul and how important is it to have a second set of eyes to help you decide.

EP2032- Lessons Learned

Thu, 10 Sep 2020 10:00:00 -0400

Matthew Johnson talks about Lessons Learned and their value.

EP2031-Know Your Numbers

Sat, 05 Sep 2020 10:00:00 -0400

Matthew Johnson explains the importance of knowing your numbers.

EP030-Financial Independence

Sat, 29 Aug 2020 10:00:00 -0400

Do you want to become Financial Independent? Matthew Johnson, speaks about the process to get you there.

EP2029-Time to Hand Over the Reins

Thu, 20 Aug 2020 10:00:00 -0400

On this Episode Matthew Johnson speaks about knowing when it's Time to Hand Over the Reins.

EP2027-Shame On Them

Wed, 12 Aug 2020 10:00:00 -0400

Matthew Johnson speaking about Shame On Them.

EP2026- Success Leaves Clues

Fri, 07 Aug 2020 10:00:00 -0400

Success Leaves Clues! Listen to how Matthew Johnson understand how to realize these clues.

EP2025-Your Extra-Ordinary Retirement

Fri, 31 Jul 2020 10:00:00 -0400

Matthew Johnson understands it is Your Extra-Ordinary Retirement.

EP2024-Debt vs Credit

Fri, 17 Jul 2020 10:00:00 -0400

Big difference, Debt vs Credit! Matthew Johnson to provide valuable information.

EP2023-Financial Independence

Wed, 08 Jul 2020 10:00:00 -0400

Do you have Financial Independence. Let's listen to Matthew Johnson to learn more.

EP2022-It's Now On You

Thu, 02 Jul 2020 10:00:00 -0400

Who is it all on? Matthew Johnson speaks to us about, It's Now On You.

EP2021-The Right Focus

Fri, 26 Jun 2020 10:00:00 -0400

Do you have The Right Focus? Let hear what Matthew Johnson thinks.

EP2020 - Communication is Key

Mon, 15 Jun 2020 10:00:00 -0400

Today Matthew Johnson speak about how important Communication is Key.

EP2019 -A Case for Fixed Income

Fri, 05 Jun 2020 10:00:00 -0400

Mathew Johnson talks about A Case for Fixed Income.

EP2018 - Are Stocks Really An Inflation Hedge

Sat, 23 May 2020 10:00:00 -0400

Are Stocks Really An Inflation Hedge, Matthew Johnson discusses what it really is.

EP2017 - Pay Some Now Or Maybe A Lot Later

Fri, 15 May 2020 10:00:00 -0400

Matthew Johnson's, topic for today is Pay Some Now Or Maybe A Lot Later.

EP2016 - Getting Your House In Order

Fri, 08 May 2020 10:00:00 -0400

Today's episode with Matthew Johnson, he will discuss Getting Your House in Order.

EP2015 - So Many Changes So Little Time

Fri, 01 May 2020 10:00:00 -0400

So Many Changes So Little Time, Matthew Johnson, speaks. How much time do you have?

EP2014 - Investing By Chance or Intention

Mon, 27 Apr 2020 10:00:00 -0400

Investing By Chance Or Intention, is today's topic with Matthew Johnson.

EP2013 - Heads I Win Tails You Lose

Fri, 17 Apr 2020 10:00:00 -0400

Flip the coin! In this episode, Matthew Johnson, discusses Heads I Win Tails You Lose.

EP2012 - The Three Excuses The Three Alternatives

Sat, 11 Apr 2020 10:00:00 -0400

This or That! Today, Matthew Johnson, discusses The Three Excuses The Three Alternatives.

EP2011 - So What Have We Learned

Fri, 03 Apr 2020 10:00:00 -0400

Matthew Johnson, today talks about, So What Have We Learned.

EP2010 - The Emotions of Investing

Fri, 27 Mar 2020 10:00:00 -0400

The Emotions of Investing,! Matthew Johnson, in this episode speaks on how to deal with emotions with investing.