FamilyRoot Wealth Advisors, LLC - Dan Johnson

05/27/2026

Whether you’re planning for retirement, looking for clarity on your financial picture, or seeking a second opinion, we provide independent fiduciary advice that helps you understand key areas such as:

• How your portfolio is positioned today
• How it may perform under different market conditions
• Whether your strategy is tax-efficient
• Whether you’re on track to reach your goals
• Whether you’re paying excessive fees to your current advisor
• How to convert your savings into sustainable retirement income

Reach out to schedule a complimentary review! 📊💰

Contact FamilyRoot Wealth Advisors, LLC for personalized investment guidance and wealth management solutions. We're here to help you achieve your financial goals.

05/26/2026

🌟 A Great Problem to Have… But Still a Problem! 🌟

I’ve had clients come to me with a big gain in a single stock position — maybe it’s a company you’ve worked for, invested in early, or just held onto for years. 📈

It’s a great situation to be in… but it can also create a challenge:

How do you diversify and reduce risk without triggering a huge tax bill? 🤔💸

A smart solution we offer clients:

🔥 Direct Indexing with Daily Tax Loss Harvesting 🔥 This is one of the most powerful tools we offer for clients who want to:
• Reduce concentrated stock exposure
• Gradually diversify into a broader portfolio
• Minimize the tax impact along the way
• Keep more of their gains working for them

Here’s how it helps: 🧩 Instead of selling everything at once (and taking a big tax hit), direct indexing allows us to build a customized portfolio around your existing position.

🔄 Every day, the system looks for opportunities to harvest losses in other parts of the portfolio. 💡 Those harvested losses can help offset gains — giving you more flexibility to unwind that concentrated position over time.

It’s a thoughtful, tax efficient way to transition from “all eggs in one basket” 🥚➡️🧺 to a diversified, long term strategy that aligns with your goals and risk tolerance.

If you’re sitting on a large single stock gain and wondering about next steps, this could be a game changer for you.

Always happy to walk through how it works and whether it’s a fit for your situation. 🙌

05/22/2026

As we enter Memorial Day weekend, we honor the men and women who served our country with strength, courage, and selflessness. We’re grateful for their sacrifice and for the freedoms we enjoy because of them.

Wishing you a safe and meaningful weekend.

Market hours:

Stock Market: Closed Monday

Bond Market: Early close Friday at 2 PM ET; closed Monday

05/20/2026

The Rat Race Escape Calculator! 💰🛣️

I talk to people all the time who dislike their job, dream about doing something different with their lives, or simply want more time with their kids instead of being stuck in the rat race.

But they feel trapped — mortgage, bills, health insurance, kids’ expenses. Making a change can feel impossible.

That’s exactly why we created The Rat Race Escape Calculator!

When we plug in the numbers, something interesting happens. For the first time, people can clearly see the gap between where they are today and where they want to be — and what it would actually take to close that gap.

For some, it’s the realization that they’re much closer than they thought. For others, it brings clarity on the path forward.

But almost everyone experiences a mindset shift. Goals become intentional. Saving and spending suddenly have purpose.

The Rat Race Escape Calculator isn’t about getting rich overnight — it’s about creating a realistic roadmap toward greater freedom, flexibility, and fulfillment. It helps you understand where you are today, defining the life you want, and identify the intentional changes that can help turn that vision into reality.

Whether your goal is retiring early, starting a business, changing careers, or having the flexibility to spend more time with your family — define the goal, and we’ll help you find a path to get there.

05/19/2026

💰 How do you hedge against inflation in retirement? 📈

Per recent economic data, inflation is becoming a major concern again. One thing I hear often from retired clients is:

“What if my income can’t keep up with rising costs?”

It’s a valid concern. Even moderate inflation can quietly reduce purchasing power over time — especially during retirement when many people are living on fixed income sources.

Here are a few strategies we often use for retirees to help protect against inflation:

✅ Keeping part of their portfolio invested for long-term growth
✅ Diversifying beyond cash and traditional bonds
✅ Reviewing withdrawal strategies regularly
✅ Considering income sources that may adjust with inflation
✅ Planning ahead for rising healthcare and living expenses

The key is balance: protecting today’s income while still allowing your money the opportunity to grow over your time horizon.

05/15/2026

🗣️ Client- “I’m conservative — I don’t want any risk.”

This is something I hear often from clients.

But being too conservative with your portfolio can actually create one of the biggest risks of all:

⚠️ Returns that fail to keep up with inflation! This can slowly erode your purchasing power throughout retirement.

That’s why we focus on long-term strategies designed to help conservative clients feel more comfortable managing portfolio risk while maintaining confidence in their retirement plan, including:

✅ A cash bucket for emergencies and short-term needs
✅ Stable income sources to cover essential retirement expenses
✅ A diversified growth bucket designed to help your portfolio continue growing and remain sustainable over the long term

The goal isn’t to avoid all market risk for long term investors — it’s to create a strategy that helps you maintain your lifestyle and peace of mind throughout retirement without running out of money. 🔑

05/14/2026

💡 What to Know About Expenses in Retirement!

Expenses are one of the biggest factors in building a successful retirement plan. We typically classify retirement expenses into two categories:

1️⃣ Essential Expenses
Examples: 🏠 Housing, 🛒 Groceries, 🏥 Healthcare, 💰 Taxes

2️⃣ Discretionary Expenses
Examples: ✈️ Travel, 🍽️ Dining Out, 🎭 Entertainment, 🎟️ Hobbies

In retirement planning, essential expenses should be reliably covered. We don’t want market volatility determining whether a client can pay for their basic living needs in retirement.

That’s why we often recommend covering essential expenses through guaranteed or stable income sources such as:
✔️ Social Security
✔️ Pensions
✔️ Annuities
✔️ Bond Income

Having these essentials covered can provide tremendous peace of mind. 🙌

It also creates the opportunity to invest the remaining portfolio with a more growth-oriented strategy to help combat inflation over time. 📈 Clients are often more comfortable with market volatility in this “growth bucket” knowing their essential retirement expenses are already covered.

05/12/2026

The Reality of Retirement Income 🏧:

Many retirees will need their portfolio to last for decades in retirement, and the income you take from it has to account for market volatility, inflation, and taxes📊

Retirement planning isn’t just about chasing a big number 💰. It’s about understanding:

• How much income your savings can realistically produce
• How long it needs to last
• What other income sources you’ll have, like Social Security and Pensions
• What are the tax impacts
• How your retirement expenses will compare to the income that is being produced

We help clients understand how these pieces fit together so they can make informed decisions about their future.

05/10/2026

Happy Mother’s Day!

A special shoutout to my wife and my mom —thank you both for being so incredible and for everything you do for our family. We’re so lucky to have you.

Wishing all the moms out there a wonderful day. You are loved and appreciated today and every day.

05/06/2026

Check out BlackRock's Weekly Market Commentary!

https://www.blackrock.com/us/financial-professionals/literature/market-commentary/weekly-investment-commentary-en-us-20260504-earnings-strength-keeps-us-risk-on.pdf

This content is produced by BlackRock and shared for informational purposes only. FamilyRoot Wealth Advisors, LLC is not affiliated with BlackRock and does not endorse or guarantee the accuracy of this material. This post should not be considered personalized investment advice. Please consult with a qualified financial professional before making investment decisions.