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. 

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. 

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.

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.

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.

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.

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.

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.

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.

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.