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2018 Business Owner's Guide


Leverage the latest tax law changes to increase wealth.

Your Retirement Plan

In this episode, John goes in-depth on three of the seven variables that are vital to consider when designing a retirement plan. If you change just one of these variables, you will affect the outcome of your plan, and if you change two or three, it’s not even the same plan.

John is the author of 5 Ways Your Wealth is Under Attack. He has lectured extensively on financial planning. He has received the Five StarSM Wealth Manager Award for 2011, 2012, 2013, 2014, 2015 and 2016.

John’s strength lies in his ability and commitment to continually improve the level and quality of the financial planning process. His dedication to his clients’ growth involves an evolving strategy that strives to meet the demands, desires, and needs of his clients in a continually changing economic environment.

The key takeaways are:

  • More and more retirees are finding themselves working in retirement because the three main pillars of their retirement plan—pension, Social Security, and savings—are not enough.
  • A record 61,859,000 Americans are collecting Social Security this year, while 126,827,000 people are working. That 2:1 ratio of workers to collectors is far from the 40:1 ratio of 1945, and will get worse in the coming years.
  • 70% of Baby Boomers will be drawing Social Security between 2022 and 2029.
  • The architects of the plan didn’t expect people to live as long as they do now. Social Security is in real trouble, and one day soon may resort to paying only people that can prove they need it.
  • Pensions are in peril across the country, most of them being massively underfunded.
  • Congress is still trying to figure out how to bail out the largest American pension plans.
  • On top of that, companies have changed pensions from “defined benefits plans” to “defined contribution plans,” transferring the risk from them to you.
  • It’s prudent to find out whether your pension is properly funded. Try https://www.truthinaccounting.org/.
  • Recommended withdrawal rates for your portfolio have been based on life expectancy that are shorter than the current average. You will need to determine the rate that is best for you, and consider a retirement age older than 65.
  • It’s best to sketch out several scenarios for your financial plan, leaving out Social Security or your pension, and seeing if your plan could survive without them. Do the same with several withdrawal rates and age of retirement.


Whether you’re 5, 10, 20 years out from retirement—or just retired—now is the time to understand the pressures that affect your financial strategy. Listen to this podcast here, and stay tuned for Part 2, which will discuss the rest of the seven variables.

I would love to sit down and talk with you about your retirement plan – call 732-542-1565.

Are you ready to increase your profit growth by 25%? John will show you how in the 2018 Business Owner’s Guide To Maximizing Your Benefits From The 2018 Tax Cuts.

Click here to get your complimentary copy.

2018 Small Business Guide To Maximizing Tax Cuts


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Everyone is impacted by these 5 problems. The question is, how big are yours? What impact do they have on your wealth potential? CLICK HERE TO GET THE BOOK