John Koyle, Financial Advisor

John Koyle, Financial Advisor Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from John Koyle, Financial Advisor, Financial Consultant, 1414 E Center Street, Pocatello, ID.

đź’°25+ yrs turning complex finances into clear plans
AIF® | Fiduciary | Pocatello, ID
Portfolio Sustainability - Portfolio Performance - Tax Efficiency - Risk Management - Wealth Transfer
💲Retirement Calculator / 📆FREE Consultation ⬇️
johnkoyle.com

10/06/2026

Would you like to know which Roth conversion strategy children and grandchildren love the most? It's the one where we maximize what your heirs inherit, regardless of the tax consequences for you.

It's an option we can select and build out on your plan, and it's often chosen by people who don't want their kids inheriting large pre-tax balances right when they're in their peak earning years and highest tax brackets.

It's not the only option. Some people don't convert to Roth at all. Some convert everything at once. Some convert a set dollar amount every year. Some wait for a down market so they're converting shares while prices are low. And some focus on paying the least federal tax over their entire lifetime.

But here's why the inheritance strategy exists. When most kids inherit a traditional IRA, they have to empty it within 10 years. Every dollar they pull out is taxed as ordinary income, stacked right on top of their own paychecks. A big IRA can push them into some of the highest brackets they'll ever see — especially if they're single, because a single bracket is half as wide as a married one. A Roth works differently. Your kids still have 10 years to empty it, but the money comes out tax-free. They can let it grow the full 10 years and take it all at the end without owing a dime of federal income tax. So you pay the tax now, and they don't pay it later. Ideally you pay it with money from outside the IRA, so the full Roth balance goes to them. For larger estates, those tax dollars also leave your estate, which can be another win.

It starts with a map we create for you — the retirement income and tax blueprint. We lay out your spending needs for each year through retirement, your income for every year going forward, and map them together with where we think tax brackets will be and where your heirs are likely to be when they inherit. Then we build the full conversion plan and execute it one year at a time.

Now the catch. Congress can change brackets or the inheritance rules at any time — the 10-year rule itself was a change. And if a charity is part of your plan, a traditional IRA might be better left to them, since charities don't pay income tax. That's why we revisit your blueprint every single year.

Run your numbers: https://plan.johnkoyle.com?utm_source=facebook
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Please consult a qualified professional.



9163166

10/06/2026

Have you ever given money to charity and gotten nothing back on your taxes? That's most retirees.

The standard deduction is over $32,000 for a married couple. So unless your giving is enormous, you never itemize. You write the check, and the IRS treats it like you spent the money on anything else.

What you want instead is a qualified charitable distribution — a QCD. It's a transfer straight from your IRA custodian to the charity, and it works completely differently from writing a check.

First, wait until the year you turn 70½. That's when a QCD becomes available — not 73 or 75, which is a different age related to RMDs. Second, tell your IRA custodian to send the money directly to the charity. It cannot pass through your checking account first; the moment it touches your account, it's taxable income and the whole benefit is gone. Third, if you're already taking required minimum distributions, do the QCD before or as part of that distribution, never after — take the RMD first and it's already taxable no matter what you do with the money later. Fourth, keep the acknowledgement letter from the charity.

What a QCD does is turn a deduction you couldn't use into income that never existed. It doesn't appear on your tax return at all. And that matters because adjusted gross income is the number everything else keys off of: how much of your Social Security gets taxed, whether you cross into the net investment income tax, whether you trip a Medicare surcharge where one dollar over the line fires a full charge for the year. A deduction lowers taxable income and does nothing to your AGI. A QCD lowers your AGI directly.

Two more things. The limit is indexed annually — roughly $108,000 per person — so a married couple with separate IRAs can do double. And it has to go to a qualified public charity, not a donor-advised fund.

Most people never use a QCD because the custodian doesn't bring it up, and the tax preparer sees the return after the year is already closed.

Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Please consult a qualified professional.
9163252

10/05/2026

Most married couples claim Social Security early. It feels like the obvious move — the money's there, why wait?

Here's what that decision actually does. It permanently reduces the one check that has to support whoever lives longer. And the cost doesn't show up when you claim. It shows up twenty years later, when one spouse is gone and the survivor is living on whatever the other one locked in.

There's an order that fixes it. The higher earner waits until 70. The lower earner claims early. And a carved-out slice of the portfolio — what I call an income bridge — pays the bills in between.

That bridge is the most solvable problem in retirement planning. Known number of years, known cost per year, no market risk required. Nobody panics about funding four years of college. The stretch between your last paycheck and age 70 is the same kind of math — it just has a scarier name.

In this video I walk through the claiming order, what delaying actually earns you, where the bridge money sits while it works, and the three inputs that size it to the dollar.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Please consult a qualified professional.



9135007

10/04/2026

Thousands of people visit my retirement calculator each month, and one of the mistakes I see almost everyone make is poor decisions around Social Security.

Most Americans leave between $100,000 and $300,000 in total lifetime benefits on the table. Not because they made a reckless choice, but because they made a permanent decision based entirely on instinct, without ever running the math.

Here's the stark reality of the claiming timeline. Claiming early at 62 locks in a permanent 30% reduction from your full retirement age benefit, every single month, for life. Delay until 70 and you collect 124% of that same baseline. On a $3,000 benefit, that's the difference between $2,100 a month and $3,720 a month, compounded by annual cost-of-living adjustments for the rest of your life.

For a married couple, the stakes double. The higher earner's benefit automatically becomes the survivor benefit when one partner passes away. Every dollar you sacrifice by claiming early is a dollar your surviving spouse lives without, potentially for decades.

And maximizing this asset is about far more than picking a calendar date. If you took time away from the workforce to raise children or care for aging parents, those zero-income years are dragging down your record right now — replacing a few of them with strong earning years can permanently boost your baseline. If you're divorced after a marriage of 10 years or more, you may be entitled to a benefit based on your ex-spouse's record, without affecting theirs. If you're widowed, you can claim a survivor benefit while your own benefit grows, or vice versa.

The Social Security Administration will not call you to explain these rules. They're not obscure loopholes — they're core statutory rules designed to protect your wealth. You just have to deploy them before you sign the paperwork.

Run your numbers: https://plan.johnkoyle.com?utm_source=facebook
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Please consult a qualified professional.
9163321

10/03/2026

Here's a Social Security question I hear constantly: if the higher earner in a marriage waits until 70 to claim, when can their spouse start collecting spousal benefits?

The answer surprises almost everyone. Not until the higher earner files.

I'll use one couple as an example — the husband has the larger benefit because the wife took a few years off to raise kids. It works exactly the same in reverse; whoever has the bigger number is the one the strategy is built around. A spouse can't draw a spousal benefit until the worker has actually claimed their own. Not at 62, not at full retirement age — only when he files. So if he's waiting until 70, his delay delays hers.

So what does a real couple do? This is the key move. If she has her own work record, she doesn't wait on him at all. She claims her own benefit as early as 62. Then, when he files at 70, she steps up to the spousal amount if it's higher.

Here's the asymmetry the whole strategy is built on. When he passes away, she stops getting the spousal amount and steps up to what he was actually receiving — the full amount — for the rest of her life. His delay was never only about him. It's about her, 20 years from now, holding the largest possible check for as long as she lives.

Spousal and survivor are two completely different sets of rules. Confusing them is how couples leave possibly six figures on the table.

Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Please consult a qualified professional.
9163275

10/02/2026

For over 2,000 years, governments have used the same trick to pay their bills. And you're paying for it right now. It's called currency debasement.

Rome perfected it. Under Augustus, the silver denarius was nearly pure silver. By the late 200s it was mostly bronze with a thin silver coating. The emperors kept spending, the coins kept getting cheaper, and prices increased through inflation.

America's founders knew that history, so they built guardrails around our economic system — the Coinage Act of 1792 made it a crime punishable by death for mint officials to debase the currency. Then the guardrails came down one at a time. In 1913 we got the Federal Reserve. In 1933 Americans were banned from owning most gold coins. In 1965 silver came out of our dimes and quarters. In 1971 Nixon cut the last tie between the dollar and gold. Once that anchor was gone, so was the discipline. In 1971 the national debt was roughly $400 billion. The last balanced budget was 2001. And since 1913, the dollar has lost about 97% of its purchasing power.

The bills keep getting bigger. Social Security's retirement trust fund is projected to run short around 2032, Medicare's hospital fund around 2033. That doesn't mean the checks stop — it means Congress has to cut benefits, raise taxes, or borrow more. My money is on borrowing, and more borrowing usually means more inflation and probably higher interest rates.

Through all of it, gold and silver have done something paper money never has: they've held their purchasing power across generations. It's not a smooth ride — gold peaked in 1980 and took three decades to get back there. But over centuries, currency after currency has lost value, and precious metals have kept theirs. That's why metals play a role in how I think about protecting retirement income.

Run your numbers: https://plan.johnkoyle.com?utm_source=facebook
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

⚠️ This post is for educational purposes only and is not personalized tax or investment advice. Please consult a qualified professional.



9155834

09/30/2026

Lower earner in the marriage, with a spouse holding out until 70 for Social Security? You're not stuck waiting with them.

You can claim your own benefit as early as 62, on your own work record, whether or not your spouse has filed. Then, once your spouse files, a spousal benefit opens up, worth up to half of their full amount, and your check gets topped up toward it.

The catch most couples miss: the top-up is not a jump to the full spousal amount. Say your spouse's full benefit is $3,000 and yours is $1,000. The spousal cap is $1,500. Claim at 62 and your $1,000 is permanently reduced to about $700. When your spouse files, you get the $500 gap between $1,000 and $1,500 added on. New check: $1,200, not $1,500. Claiming early cost $300 a month for life, and should your spouse file before your own full retirement age, that $500 top-up shrinks as well.

The 8%-a-year delay credits only grow your spouse's own check, never the spousal benefit. The reason to wait to 70 is the survivor benefit: $3,000 becomes $3,720, and that's the check one of you may live on for decades.

Whether 62 makes sense depends on whether your household needs the income now. Run the numbers before anyone files.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

Educational content only, not personalized investment advice.
9147195

09/29/2026

Who inherits your retirement account? If your answer is "whoever my will says," that's the wrong answer.

IRAs, 401(k)s, annuities, and life insurance skip the will entirely. They go to whoever is on the beneficiary form, and that form wins over the trust, the estate plan, and everything else, even if you signed it in 1998.

So it's worth filling out correctly. Name real people as primary beneficiaries, with full legal names and birth dates, instead of writing "my children." Put a percentage beside every name and make sure they add to 100, since blanks let the custodian decide. Fill in a contingent beneficiary, the person who inherits if all your primaries are gone, or the account defaults to your estate and heads for probate.

Then there's the checkbox almost nobody reads: per stirpes vs. per capita. Three kids, a third each. One passes before you, leaving two children. Per stirpes sends her share down to her kids. Per capita, or leaving it blank, hands her share to your two surviving kids, and the grandchildren get nothing. Two words decide it.

Last thing: divorce doesn't remove an ex from the form. Someone has to. Recheck every designation after a marriage, divorce, birth, death, or rollover, because a rolled-over account starts with a blank form.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

Educational content only, not personalized investment advice.
9147327

09/28/2026

Want your family fighting after you're gone? Let your will and your beneficiary forms disagree. It works every time.

Here's why: the beneficiary form on a 401(k), IRA, life insurance policy, or annuity overrides the will. Whoever is named on that form gets the money, even if the form dates to 2009 and the will was updated last year. The Supreme Court has ruled on exactly this scenario: a husband listed his wife on his 401(k), divorced her years later, and she waived the account in the settlement. The form was never touched. When he died, roughly $400,000 went to his ex-wife and his daughter got nothing.

The fix is homework, not a lawsuit. Gather your estate documents. Pull the beneficiary designation on every account: workplace 401(k), IRAs, life insurance, annuities, HSAs, and any bank account with a payable-on-death name. Check the contingents, because they're next in line. Then sit down with your advisor and make every form match the plan.

Five minutes on a form can save your family years.

Learn more: https://johnkoyle.com
Book a free 60-minute call: https://calendly.com/koylejohn/30min?utm_source=facebook

Educational content only, not personalized investment advice.
9147205

09/28/2026

Want to know what the government would do if it were serious about fighting inflation? It would stop spending money.

Instead the Fed just raised short-term rates another quarter point, with more expected. Here's why that doesn't work.

First, understand how money gets created. When a loan is issued, whether it's the government, a corporation, or you buying a house, money is created. That's how money multiplies in this economy. It's where inflation comes from.

Now the numbers.

Total debt in this country runs about $82 trillion. Government owes roughly half. Corporations owe about a quarter. Consumers owe the last quarter.

Raising rates does nothing to the first half. Washington doesn't check the ten-year yield before deciding what to spend. Higher rates actually make it worse, because interest on $40 trillion has to be paid, and it gets paid by issuing more debt.

Then the corporate quarter. Which companies slow their borrowing when it gets expensive? The ones without the cash flow to absorb a higher rate. The marginal businesses. Which ones keep borrowing? The strongest companies in America, the ones financing the AI buildout, who can pay whatever the rate is and will.

And the consumer quarter. Will higher rates slow consumers down? Absolutely. That's the one place the policy works exactly as designed.

So add it up. The Fed raises rates and the impact lands on consumers and the weaker half of corporate America. A little over a quarter of all the debt in the country. Government keeps borrowing. The strongest corporations keep borrowing.

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