Retire at New Heights with Johnnie Roberts

How do Taxes Affect Estate Planning with special guest, Shelly Cioppa Founder of Sharp Edge Tax Solutions

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 24 Apr 2026 04:00:00 +0000

In this episode, the conversation turns to estate planning and the tax implications of passing down wealth. Johnnie and Shelly explain how inherited tax-deferred accounts can create unexpected tax burdens for beneficiaries, especially when required distributions apply. The discussion highlights why proactive planning—including Roth conversions—can protect heirs from unnecessary taxes and preserve more wealth across generations.

Is a Roth Conversion the Right thing to do? with special guest, Shelly Cioppa Founder of Sharp Edge Tax Solutions

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 17 Apr 2026 04:00:00 +0000

Johnnie and Shelly explain Roth conversions and why they’re gaining popularity. A Roth conversion allows individuals to move money from tax-deferred accounts into tax-free accounts by paying taxes now. With current tax advantages and deductions, this strategy can reduce long-term tax burdens. The episode also covers partial conversions and how spreading them over multiple years can optimize tax efficiency.

How much can I put into a Roth or 401K? with special guest, Shelly Cioppa Founder of Sharp Edge Tax Solutions

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 10 Apr 2026 04:00:00 +0000

This episode dives into contribution limits for retirement accounts and how to use them effectively. Shelly Cioppa explains the annual limits for Roth IRAs, traditional IRAs, and 401(k)s, while Johnnie Roberts discusses how to combine employer matches with personal contributions for optimal growth. The conversation emphasizes the importance of intentional planning—rather than defaulting to employer plans—to build long-term wealth more efficiently.

The Pros and Cons of a Tax Refund with special guest, Shelly Cioppa Founder of Sharp Edge Tax Solutions

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 3 Apr 2026 04:00:00 +0000

In this episode, Johnnie Roberts and Shelly Cioppa break down the truth behind tax refunds. While many people celebrate large refunds, Shelly explains that they often represent an interest-free loan to the government. The discussion explores when over-withholding can be helpful—especially for those who struggle to save—and when it may be smarter to keep more money throughout the year. They also highlight how adjusting withholdings and using refunds strategically can support better financial outcomes.

The $19,000 Tax Axe Strategy with special guest, Shelly Cioppa Founder of Sharp Edge Tax Solutions

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 27 Mar 2026 04:00:00 +0000

In this episode, Johnnie explains how retirees can use annual gifting rules as a powerful tax-planning tool. The discussion highlights how this strategy can help retirees transfer wealth to children or grandchildren during their lifetime, support education or major expenses, and reduce future estate burdens while preserving flexibility. The episode positions the “$19,000 tax axe” as a practical way to create meaningful impact for family members while maintaining tax efficiency in retirement planning.

When to take withdrawls from my retirement accounts with special guest, Shelly Cioppa Founder of Sharp Edge Tax Solutions

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 20 Mar 2026 04:00:00 +0000

In this episode, Johhnie explores optimal withdrawal sequencing across taxable, tax-deferred, and tax-free accounts. Shelly explains why taxable accounts are often used first during early retirement and how current tax deductions influence that strategy. The conversation also highlights required minimum distributions and the importance of proactive planning to avoid large tax burdens later in life.

How the Big Beautiful Bill impacts Tax Planning with special guest, Shelly Cioppa Founder of Sharp Edge Tax Solutions

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 13 Mar 2026 04:00:00 +0000

In this episode, Johnnie explores tax law changes introduced in the “Big Beautiful Bill,” including additional deductions for retirees and adjustments impacting overtime, tips, and standard deductions. Shelly explains how these changes can reduce taxable income, potentially decrease Social Security taxation, and create opportunities for more flexible withdrawal strategies. The conversation also highlights how middle-income retirees may see the greatest benefits from these provisions.

Sharpen Your Tax Axe with special guest, Shelly Cioppa, Founder of Sharp Edge Tax Solutions

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 6 Mar 2026 05:00:00 +0000

In this episode, Johnnie Roberts introduces tax professional Shelly Cioppa and kicks off a mini-series focused on retirement tax planning. The conversation highlights the importance of having a coordinated team approach, where financial advisors and tax professionals collaborate to help retirees reduce taxes, simplify decision-making, and create a smoother retirement income strategy. The hosts emphasize that without a tax plan, retirees risk paying more than necessary and undermining long-term financial security.

The Power of Zero with Life Insurance

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 27 Feb 2026 05:00:00 +0000

In this episode, Johnnie and Michael discuss how life insurance can create “power of zero” outcomes—especially through tax-free death benefits and (for certain permanent policies) tax-advantaged cash value access. They compare term vs. permanent concepts, explain how policy loans can offer flexibility before traditional retirement ages, and describe how some structures allow money to keep earning as if it was never withdrawn. They also address the controversy: some financial voices dismiss permanent insurance, while others highlight its role in long-term wealth strategy.

The Power of Zero Mindset

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 20 Feb 2026 05:00:00 +0000

In this episode, Johnnie introduces the “Power of Zero” mindset: building parts of your plan so you can pay zero taxes on key income streams and avoid losses during market downturns. He explains how taxes can change dramatically for a surviving spouse (from married filing jointly to single), why that can make the same dollar amount “worth less,” and how protecting against market drops becomes more important as your time horizon shrinks.

How Taxes Affect Income in Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 13 Feb 2026 05:00:00 +0000

In this episode, Johnnie explains that “income” isn’t the real number—after-tax income is. He walks through how traditional retirement withdrawals, Roth conversions, and tax brackets interact, then shares a client example where Roth conversion amounts had to be reduced to preserve health insurance subsidies before Medicare. The conversation reinforces that retirement planning is fluid and should be reviewed every year as life changes.

Maximize Your Roth IRA before It's Too Late

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 6 Feb 2026 05:00:00 +0000

In this episode, Johnnie breaks down what a Roth IRA is, why tax-free growth matters, and how you can still make a prior-year Roth contribution up to the tax-filing deadline. He explains the difference between contributing vs. converting, highlights annual contribution limits, and shares how real-life variables (like income levels and health insurance subsidies) can change the “best move” for someone.

Planning for the Unplanned - Medicare, SS, Taxes, etc.

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 30 Jan 2026 05:00:00 +0000

In this episode, Johnnie explains why retirement planning isn’t just about expected milestones, but also about preparing for unexpected events. Using sports analogies, he highlights the importance of preseason-style preparation—addressing healthcare costs, taxes, income timing, and long-term care before they become urgent problems.

Aunt IRMAA and her Rules

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 23 Jan 2026 05:00:00 +0000

Johnnie explains IRMAA (Income-Related Monthly Adjustment Amount) and how it increases Medicare Part B and Part D premiums for higher-income retirees. He walks through how one-time income spikes—such as large withdrawals or Roth conversions—can raise Medicare costs for two full years, and how strategic planning can help minimize or avoid those increases.

Playing by the Rules

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 16 Jan 2026 05:00:00 +0000

This episode focuses on the “rules of the game” in retirement. Johnnie explains how different rules apply at different ages and income levels, and how breaking them—intentionally or not—can result in financial penalties. He shares why working with a retirement specialist helps people avoid mistakes that quietly erode income and increase taxes.

Talking about the Mrs. - The Misses that are so common in retirement planning

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 9 Jan 2026 05:00:00 +0000

In this episode, Johnnie breaks down the most common “misses” people make as they approach retirement. He explains why focusing only on account balances and investment returns can leave major gaps, especially around taxes, long-term care, and lifetime income. Johnnie emphasizes the mindset shift required when moving from accumulation to preservation and distribution.

A Retirement Fund is NOT a Retirement Plan

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 2 Jan 2026 05:00:00 +0000

In this episode, Johnnie walks through what really happens when heirs inherit IRAs and other taxable accounts—and why that can lead to big tax bills. He contrasts inherited IRAs and the 10-year rule with life insurance benefits that pass income-tax-free, and explores using RMDs or other dollars to fund policies designed for a legacy. He also broadens the discussion beyond college, showing how life insurance can help fund down payments, family stability, and multi-generation opportunity, often directed through a trust.

SERIES: Life Insurance - Inheriting money is not all it's cracked up to be - unless it's coming from Life Insurance

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 26 Dec 2025 05:00:00 +0000

SERIES: Life Insurance - How to Maximize Your Income & Minimize Your Taxes

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 19 Dec 2025 05:00:00 +0000

In this episode, Johnnie explains how life insurance fits alongside market accounts and Roth money. He shows how death benefits can replace a lost Social Security check or income for a surviving spouse, and how cash value can be tapped tax-free for one-time needs or ongoing income. He also compares fixed and indexed life insurance options that offer guarantees and stability when markets are unpredictable.

SERIES: Life Insurance - Not Counted as Income for Social Security Benefits

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 12 Dec 2025 05:00:00 +0000

In this episode, Johnnie breaks down how permanent life insurance can act like “equity in your financial house.” He explains how policy loans from properly structured policies can provide tax-free retirement income that doesn’t count as Social Security income, and how concepts like “infinite banking” let you earn interest on money even while you’re using it. He also shows how retirees can redirect unwanted RMDs into life insurance to create more leverage and a legacy.

SERIES: Life Insurance - Maximize Your Legacy Money Using Life Insurance

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 5 Dec 2025 05:00:00 +0000

In this episode, Johnnie shows how single-premium policies can turn earmarked cash (e.g., grandkids’ gifts) into a larger, tax-free legacy. He also covers accelerated benefit riders that transform death benefit into living benefits for chronic/critical illness—an alternative to costly, scarce LTC insurance. Listen to this episode and learn more about how you can Retire at New Heights.

SERIES: Life Insurance - Tax Free Income in Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 28 Nov 2025 05:00:00 +0000

In this episode, Johnnie dives into max-funding IUL within MEC limits, positioning it alongside 401(k)s and Roths. They outline turning on a stream of policy loans in retirement and preview why tax-free income can reduce friction with Social Security taxation. Listen to this episode and learn more about how you can Retire at New Heights.

SERIES: Life Insurance - Growth, Capital, Income

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 21 Nov 2025 05:00:00 +0000

Johnnie explains borrowing against cash value (infinite-banking style) and how indexed universal life (IUL) credits growth with downside protection via a 0% floor. Michael shares practical examples—financing big expenses from your policy while cash value keeps compounding. Listen to this episode and learn more about how you can Retire at New Heights.

SERIES: Life Insurance - The Types of Insurance to Consider

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 14 Nov 2025 05:00:00 +0000

In this episode, Johnnie frames life insurance as a planning tool—not a bill—and breaks down whole life (permanent guarantees and cash value), term (low-cost, time-bound protection), and universal life (flexible, hybrid designs). Michael underscores using the “right tool for the job” inside a broader retirement strategy. Listen to this episode and learn more about how you can Retire at New Heights.

Legacy Planning in the Spirit of Christmas

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 7 Nov 2025 05:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares from the Bible how we can leave a legacy to your children's children (Proverbs 13). There are many ways to do this that you'll learn as you listen to this episode. Then reach out to Johnnie to talk about how you can Retire at New Heights.

SERIES: Annuities - Upside Participation with Downside Protection

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 31 Oct 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares how a Fixed Indexed Annuity can provide you with growth when the markets go up as well as protection when the market goes down. This is one of the best benefits of a well-structured retirement plan. Listen to this episode and learn more about how you can Retire at New Heights.

SERIES: Annuities - Receive a Pay Raise and Beat Inflation

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 24 Oct 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares how to make sure your income during retirement will keep up with inflation. Getting a pay raise in retirement is possible. Listen to this episode and learn how you can Retire at New Heights.

SERIES: Annuities - Paying for Long-term Healthcare

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 17 Oct 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares how you can pay for long-term healthcare with a rider on an annuity. By planning properly you'll be able to Retire at new heights. Listen to this episode and then reach out to Johnnie to discuss your future.

SERIES: Annuities - Guaranteed Income for Life: Income Riders

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 10 Oct 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares about how an annuity pays you an income every money for the rest of your life. Many annuities have a "rider" that allows you to benefit in multiple ways. Listen to this episode and you'll have a better understanding of how you can create guaranteed income for life. Be sure to get a copy of Johnnie's bestselling book, then schedule a time to meet with him to plan your retirement.

SERIES: Annuities - Types of Annuities

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 3 Oct 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares the inside scoop on annuities. As you listen to this episode, you'll gain a much better understanding of how Fixed and Fixed-Indexed Annuities function and the benefits you can derive from them.

SERIES: Annuities - Overview and Variable Annuities

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 26 Sep 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares about one of the best vehicles you can use to create guaranteed income for life. Every situation is different, and Johnnie helps you understand the upside and downside of choosing the proper vehicle for your situation.

Guaranteed Retirement Income - Life Ins, FIAs, Pensions

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 19 Sep 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares about the importance of having a guaranteed income in retirement. Many people head into retirement with concerns about the market. Listen to this episode and you'll be better informed about how you can create Guaranteed Income in Retirement.

Providing for Your Spouse After You Die

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 12 Sep 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares what you can do to make sure your spouse has enough income after ou pass away. This is a must-listen to episode that will help you take care of your spouse and Retire at New Heights.

How NOT to Leave Money to Your Family

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 5 Sep 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares the rules and guidelines and principles you need to know to protect your heirs from paying too much in taxes on inherited money. This is an important topic and insightful episode that will help your family Retire at new Heights.

The Big Beautiful Bill and How It May Affect Your Retirement Part 2

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 29 Aug 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares even more about OBBBA and how it impacts your retirement plan. The 2017 Tax Bill was extended, and this can be a huge win if you have a solid retirement plan. Listen to what Johnnie shares and you'll be better informed on how you can Retire at New Heights.

The Big Beautiful Bill and How It May Affect Your Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 22 Aug 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares some helpful insights on the OBBBA and how it may affect your retirement. The Social Security aspect of the OBBBA is very important, and in this episode, Johnny explains the changes that have occurred and what this means to you.

Medicare for Retirement - The Alphabet Soup of Medicare - Part 2

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 15 Aug 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts dives deeper into Medicare for Retirement with Medicare expert, Steve Ahonen. This episode explores Part C and Part D. After listening to this episode, you'll understand the penalties that are waiting for you if you miss this.

Medicare for Retirement - The Alphabet Soup of Medicare

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 8 Aug 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts discusses the Alphabet Soup of Medicare with Medicare expert Steve Ahonen. Medicare is loaded with letters -Part A, Part B, Part C, and Part D. There are also Medicare Supplements that impact your coverage. This is a very interesting episode that brings more clarity to a very confusing topic. After listening to this episode, schedule a conversation with Johnny to learn more about Mediarae for Retirement.

Medicare for Retirement - When Do I Enroll and Why?

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 1 Aug 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts talks with Medicare expert Steve Ahonen about when the right time is to enroll for Medicare. Steve shares with you the #1 question that trips many people up when enrolling and how you can avoid this trap. There's more to know than you may think, so listen to what Steve shares and how it can help you Retire at New Heights.

Medicare for Retirement with Special Guest, Steve Ahonen

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 25 Jul 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts brings a friend to the show. Medicare expert Steve Ahonen is part of Johnnie's team and understands the ins and outs of Medicare for retirement planning. Medicare is vital as you plan for retirement, so be sure to listen to this episode, and you'll be in much better shape to make a great decision for you and your family.

It Doesn't Matter How Much You SAVE As Much As How Much You KEEP.

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 18 Jul 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares why it is vital to protect your money so that you KEEP more of it. Regardless of how much you SAVE, you need to have a plan to KEEP as much of it as you can.

Don't be a "Statement Retiree"

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 11 Jul 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares why the number on your quarterly statement is not a proper retirement plan. You should have a purpose for your money in retirement, and that is more than just a number on a statement. After listening to this episode you'll be prepared to make a statement with your money so you can Retire at new Heights.

Flying a Plane... Full Throttle vs Crusing Speed, vs Landing

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 4 Jul 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares how building wealth is like flying a plane. You start off full throttle, hit cruising speed, then slow down as you come in for a landing. Make sure you have a safe landing so you can Retire at New Heights.

Offensive & Defensive Retirement Planning

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 27 Jun 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares why it's important to have both an offensive and defensive strategy. Winning in retirement is something you can plan for. Listen to this episode so you can Retire at New Heights.

Taxes, Inflation & Healthcare Oh, My!

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 20 Jun 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares how retirement planning needs to address these three potential storms. Like Dorothy in Oz, you need to have the right direction and people you can trust.

Riding Roller Coasters in Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 13 Jun 2025 04:00:00 +0000

In this episode, retirement planning expert Johnnie Roberts shares how roller coasters impact your retirement. There are many new ways to accelerate your retirement without the concern of taking a massive dip. Your season of life dictates how aggresive your "ride" should be.

Making Your Money Last The Rest of Your Life

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 6 Jun 2025 04:00:00 +0000

When the storms of life come, you need to ensure your money is protected. In this episode, Johnnie Roberts shares how to create a lifeboat to protect your future and make your money last the rest of your life.

The Craftsman Approach to Retirement Planning

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 30 May 2025 04:00:00 +0000

Craftsman® tools came with a Guaranteed Lifetime replacement policy. Your retirement plan should have a guaranteed income replacement policy. In this episode, Johnnie unpacks how you can create a guaranteed lifetime income stream that brings you peace of mind and security. There's no reason to worry about money in retirement when you can have the peace of mind that comes with guaranteed income for life.

Tools of the Trade

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 23 May 2025 04:00:00 +0000

Every craftsman has specific tools they use to create their masterpiece. Retirement planning is no different. Listen to this episode as retirement planning expert, Johnnie Roberts shares with you, some of the tools of the trade that he uses to help you retire at new heights.

Retirement Lifeboats

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 16 May 2025 04:00:00 +0000

A cruise ship has lifeboats to protect the passengers. Your retirement plan needs retirement lifeboats to protect your money. Listen to this episode as retirement planning expert Johnnie Roberts unpacks the concept of creating retirement lifeboats that give you safety and peace of mind for life.

Buying a Pot of Gold (Life Insurance)

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 9 May 2025 04:00:00 +0000

Investing a little money now can turn into a LOT of money later. Listen to this episode to hear Johnnie explain how your "pot of gold" can be used for Income, college, Inheritance, and so much more.

The Value of Money ($1mm vs $900k tax free)

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 2 May 2025 04:00:00 +0000

When is a dollar not equal to a dollar? When it loses its value to taxes or inflation. In this episode, Johnnie explains how to leverage the money you do have to maximize your retirement.

Ways You Can Use Your RMDs

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 25 Apr 2025 04:00:00 +0000

What can you do with your RMDs??? This is a mandatory distribution that has tax ramifications that could impact your taxes and income. Listen to retirement expert Johnnie Roberts explain how your RMDs affect your retirement.

Why I Love Doing Yard Work

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 18 Apr 2025 04:00:00 +0000

In this episode, Johnnie talks about how yard work relates to your retirement plan. This is a fun one that you will enjoy.

How Do Pre-exisiting Conditions Affect My Ability to Get Life Insurance?

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 11 Apr 2025 04:00:00 +0000

Qualifying for insurance today is easier than in years past. Listen to this episode and you'll better understand how you can qualify for life insurance even with a pre-existing condition. Johnnie also talks about how to pay for life insurance by using a simple reallocation system.

The Living Benefits of Life Insurance

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 4 Apr 2025 04:00:00 +0000

Life insurance has living benefits as well as death benefits. In this episode, Johnnie shares how many life insurance policies include coverage for Long-term care protection, accelerated death benefits, chronic illness, critical illness, and a few others. This is a fascinating conversation that is a must-listen.

How Much Life Insurace Do I Need?

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 28 Mar 2025 04:00:00 +0000

Retirement planning expert, Johnnie Roberts, talks about how to determine how much life insurance you need at different points in your life. There are more things to consider than you may think. Listen to this episode and you'll be in a better position to Retire at New Heights.

How to Get More Tax Free Income in Retirement (Life Ins)

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 21 Mar 2025 04:00:00 +0000

Grandpa Johnnie shares many ways you can utilize life insurance to provide tax free income during retirement and pass a legacy on to future generations.

Types of Insurance (term, permanent) -Why one vs the other? Combine? Best One for Retirement Planning

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 14 Mar 2025 04:00:00 +0000

Johnnie explains the different types of insurance plus a story of how a client who recently became a widow used here policy to pay off her mortgage so she could keep her home.

How to Create a GIANT Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 7 Mar 2025 05:00:00 +0000

In this episode, you'll learn how to create a GIANT Retirement. Listen as Johnnie explains how you can enjoy Guaranteed Income And No Taxes so you can Retire at New Heights.

Money in the Market vs Safe Money Alternatives

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 28 Feb 2025 05:00:00 +0000

In retirement, you need both offensive and defensive strategies. In this episode, Johnnie explains the strategies that surround money in the market and safe money alternatives.

Money is NOT a Retirement Plan

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 21 Feb 2025 05:00:00 +0000

Regardless of the size of your nest egg, money is not a retirement plan. Listen as Johnnie talks about why money is not a retirement plan and how you can use your money to Retire at New Heights.

Taxed, Tax Deferred, Tax FREE

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 14 Feb 2025 05:00:00 +0000

Knowing the 3 types of money is important to plan your retirement properly. All of your money is in 1 of these 3 buckets of money. How you access the money in each bucket is different and can impact your retirement. Listen and learn how you can leverage the 3 buckets of money.

Your Silent Business Partner (Uncle Sam)

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 7 Feb 2025 05:00:00 +0000

Everyone has a partner in retirement. If you don't plan properly, your partner will take his unfair share of your retirement money. Listen to this episode to see how you can disinherit your silent retirement partner.

Social Security Planning & How Taxes Affect This

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 31 Jan 2025 05:00:00 +0000

WHEN you begin taking Social Security is vital to your retirement planning. Without proper planning, your tax liability could eat up much of your retirement. Listen to this episode to learn how taxes impact your Social Security.

The Hidden Features of Annuities

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 24 Jan 2025 05:00:00 +0000

$95.9 Billion. That's how much money was placed into Fixed Indexed Annuities in 2023. In 2024, that number is expected to be $142 Billion. Why? Because these provide so many benefits and relieve so much stress and worry for people in retirement. Listen as Johnnie shares why annuities may have a place in our retirement plan.

A New Mindset on Annuities

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 17 Jan 2025 05:00:00 +0000

Why does Johnnie believe an annuity is a great option for many people in retirement? Listen to this episode and you'll understand how annuities have changed and why they may be able to help you generate guaranteed income for life.

The Hidden Features of Life Insurance

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 10 Jan 2025 05:00:00 +0000

Life insurance is like a Swiss Army Knife in that there are many hidden features that you can use without dying. There are multiple "living benefits" with a properly structured life insurance policy. Listen to retirement planning expert, Johnnie Roberts, unpack a few of the most impactful aspects of life insurance.

A New Mindset on Life Insurance

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 3 Jan 2025 05:00:00 +0000

Life Insurance is not what it used to be. Now you can "bundle" many things into a life insurance policy. In this episode, retirement planning expert, Johnnie Roberts, explains how you can utilize life insurance to create a solid retirement plan.

The Swiss Army Knife of Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 27 Dec 2024 05:00:00 +0000

One tool with multiple uses can help you plan for retirement. Retirement planning expert Johnnie Roberts shares how life insurance and annuities function like the Swiss Army Knife of Retirement. Listen to the insightful episode and you'll be well equipped to Retire at New Heights.

The Purpose of Your Money

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 20 Dec 2024 05:00:00 +0000

Money is a tool for your retirement. Different types of money in retirement have different purposes. In this episode, Retirement Planning Expert Johnnie Roberts talks about the different purposes of money. When you understand the different purposes of your money in retirement, you'll be better equipped to Retire at New Heights.

WHEN Should Someone Reach Out To You

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 13 Dec 2024 05:00:00 +0000

The younger you are the better you can plan for retirement. It's neer too early to talk with Johnnie about planning for a safe and secure retirement. Listen to this episode and you'll know why it's best to begin planning early so that you can Retire at New Heights.

Your Retirement "Dance" Partner

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 6 Dec 2024 05:00:00 +0000

The guy who brought you here may not be the same guy who will take you home. In this episode, retirement planning expert, Johnnie Roberts explains the difference between a traditional financial advisor and a retirement planner. Both have a role to play. Knowing when to make a change is what you'll learn in this episode.

End of Year Tax Planning

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 29 Nov 2024 05:00:00 +0000

You should begin your Tax Planning now so you'll be in better shape at the end of the year. Retirement planning expert, Johnnie Roberts, shares a new online tool you can use to determine how much you can save in taxes during retirement. Go to MyTaxReport.net, and in less than 5 minutes, you'll know how much money you'll pay in taxes. Then, schedule a call with Johnnie to see how you can make that number smaller.

Dying Isn't the Worst Thing in Life

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 22 Nov 2024 05:00:00 +0000

What would happen to your income and family if you had a stroke or other catastrophic illness? On this episode, retirement planning expert Johnnie Roberts tells how his clients protect themselves and their families by following a Retirement Blueprint and using the proper tools.

Retirement Cruise Control: Knowing What You Will Earn Every Year

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 15 Nov 2024 05:00:00 +0000

Focusing on solving your income in retirement is most important. Retirement Planning Expert, Johnnie Roberts talks about how you can make sure you have guaranteed income every year in retirement. This gives you peace of mind, security, and the ability to live life in retirement like nobody else.

Annuities and What They Can Do

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 8 Nov 2024 05:00:00 +0000

Retirement planning expert Johnnie Roberts explains what an annuity is and how you can benefit by having one as part of your retirement plan. Johnnie also explains The Retirement Blueprint & Toolbox that he uses with his clients to help them Retire at New Heights.

Why Are Annuities Bad???

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 1 Nov 2024 04:00:00 +0000

Did Grandpa say "Never buy an Annuity!"??? Retirement Expert, Johnnie Roberts, shares why your grandpa said that, and why he may say something different today. As you create a properly structured retirement plan, you should consider haivng an annuity as part of your Retirement Plan so you can Retire at New Heights with confidence, security and peace of mind (not to mention income every month for as long as you live).

Tax Free Retirement Distribution

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 25 Oct 2024 04:00:00 +0000

Why do some people say, "Don't buy life insurance?" In this episode, Retirement Expert Johnnie Roberts debunks some of the myths and misconceptions about life insurance. If you want to protect and provide for your family with absolute peace of mind, listen to what Johnnie shares in this episode.

Life Insurance - Living Benefits / LTC / Inheritance

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 18 Oct 2024 04:00:00 +0000

How can you pay for Long-term Care with Life Insurance? A properly structured life insurance policy can provide many benefits while you are still alive. When structured properly, life insurance gives you and your family Peace of Mind, Protection, and Security for life.

Life Insurance for Retirement Planning

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 11 Oct 2024 04:00:00 +0000

How to leave a Tax Free Inheritance to your grandkids. Retirement planning expert, Johnnie Roberts, shares when life insurance can be a good vehicle to use as part of your retirement plan. He talks about how you can use the "equity" to pay for grandkids college with life insurance and so much more.

Roth Conversion & Taxes

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 4 Oct 2024 04:00:00 +0000

What is a Roth Conversion, who can do it, and when is the best time? Listen to Retirement Tax Espert Heather Schreiber explain this hot topic so you will know if it is right for you.

Rules of the Roth

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 27 Sep 2024 04:00:00 +0000

When is a Roth distribution Tax-Free??? How can you move from Taxable to Tax-Free?? Retirement Tax Expert Heather Schreiber explains in plain language how you can do this as you properly plan for your retirement. This is a MUST listen to episode.

Roth vs Traditional

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 20 Sep 2024 04:00:00 +0000

Tax-free income using a Roth IRA is possible if you structure your retirement properly. In this episode, Retirement Tax Expert Heather Schreiber explains the significant differences between a Traditional IRA and a Roth IRA. She also discusses RMDs and how to mitigate them.

How Taxes Impact Retirement & Income

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 13 Sep 2024 04:00:00 +0000

Retirement Tax expert, Heather Schreiber, joins Johnnie to unpack the difference between the two types of IRAs and how taxes impact your retirement. Listen to this episode, and you'll have a better understanding of how you can utilize these strategies so you can Retire at New Heights.

The 3 Buckets of Money

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 6 Sep 2024 04:00:00 +0000

There are only three types of money when you look at retirement: pre-tax, post-tax, and tax-free. In this episode, retirement planning expert Johnnie Roberts explains the three types of money and why they are so important in creating a retirement plan that is safe and secure.

The 3-Legged Stool

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 30 Aug 2024 04:00:00 +0000

Retiring on a three-legged stool is the best situation you can achieve. Unfortunately, many retirees today only have two legs on their stools. In this episode, retirement planning expert Johnnie Roberts will explain how to create that third leg using a personal pension plan. This will guarantee you have income for life and be able to enjoy retiring at new heights.

Accumulation vs Distribution

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 23 Aug 2024 04:00:00 +0000

There are two phases in your financial life: the accumulation phase and the distribution face. Accumulation happens during your working years as you head towards retirement day. Distribution begins on retirement day and lasts the rest of your life. Listen to this insightful conversation with retirement expert Johnnie Roberts to understand these two phases in your financial life.

Outliving Your Money

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 16 Aug 2024 04:00:00 +0000

One of the greatest fears of most retirees is outliving their money. In this episode, retirement planning expert Johnnie Roberts explains the concept behind the three-legged stool that our grandparents enjoyed and why retirees today normally only have a two-legged stool. This is a vital concept to understand as you begin planning your retirement.

Your Purpose in Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 9 Aug 2024 04:00:00 +0000

What does the ideal retirement look like to you? How do you want to spend your time enjoying life? Listen in to see what retirement expert Johnnie Roberts says about finding purpose in retirement.

Long-Term Care Shield

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 2 Aug 2024 04:00:00 +0000

Many people will need some type of long-term care during retirement. This can be a huge expense that could devastate your family. In this episode, you'll learn how to plan for this possibility without draining all that you've worked so hard to save.

The Tax Shield

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 26 Jul 2024 04:00:00 +0000

The government doesn't disappear during your retirement years. In fact, they are often more aggressive. Learn how you can plan today to lower your tax liabilities during your retirement years.

The Social Security Shield

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 19 Jul 2024 04:00:00 +0000

You've put money into Social Security for years. What's the best way to get it out without jeopardizing your future income? Listen to this episode to learn the many options you have and what steps you should take to maximize your Social Security benefits in retirement.

The Income Shield

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 12 Jul 2024 04:00:00 +0000

What's more important than having a large "nest egg" in retirement? Having a steady stream of lifetime income. When you have guaranteed income for life, you have peace of mind knowing you'll never have to work and that all of your bills will be paid. Now there's nothing wrong with a nest egg, but with market fluctuations and unpredictable taxes, your nest egg can shrink. Listen to retirement planning expert Johnnie Roberts explain more about how you can retire at new heights with a stream of guaranteed income for life.

Who is Johnnie Roberts?

caleb@paperbackexpert.com (Caleb DeLon) — Fri, 5 Jul 2024 04:00:00 +0000

Do you like to hear the backstory and understand the heartbeat behind what fuels someone's passion? Why do they do what they do? Then you should listen to this insightful interview and you'll soon know more than many close friends.