{"id":16708,"date":"2024-03-20T15:45:36","date_gmt":"2024-03-20T20:45:36","guid":{"rendered":"https:\/\/johnsonwim.com\/?p=16708"},"modified":"2024-03-25T14:43:00","modified_gmt":"2024-03-25T19:43:00","slug":"achieving-financial-freedom-in-retirement-with-johnson-wealth-and-income-management","status":"publish","type":"post","link":"https:\/\/johnsonwim.com\/achieving-financial-freedom-in-retirement-with-johnson-wealth-and-income-management","title":{"rendered":"Achieving Financial Freedom in Retirement with Johnson Wealth and Income Management"},"content":{"rendered":"<p><b>Retirement should be a time of relaxation, fulfillment, and freedom from financial worries. However, achieving financial freedom in retirement requires careful planning, prudent investing, and expert guidance.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">In this blog, we\u2019ll explore how you can realize your dream of financial independence during your golden years with the help of Johnson Wealth and Income Management.<\/span><\/p>\n<h3><b>Why Everyone Should Have a Comprehensive Retirement Plan<\/b><\/h3>\n<p><span style=\"font-weight: 400;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-16710 alignleft\" src=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-1-200x300.png\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-1-200x300.png 200w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-1-683x1024.png 683w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-1-768x1152.png 768w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-1.png 800w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>Having a comprehensive <\/span><a href=\"https:\/\/johnsonwim.com\/considerations-when-building-a-retirement-plan\"><span style=\"font-weight: 400;\">retirement plan<\/span><\/a><span style=\"font-weight: 400;\"> isn&#8217;t just a luxury for the financially savvy\u2014it&#8217;s a necessity for everyone who envisions a comfortable and secure future. Without a solid <\/span><a href=\"https:\/\/johnsonwim.com\/iowa-fiduciary-services-part-3-retirement-planning\"><span style=\"font-weight: 400;\">retirement plan<\/span><\/a><span style=\"font-weight: 400;\"> in place, individuals may face a multitude of challenges and potential pitfalls that can significantly impact their quality of life in retirement, such as:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Outliving Your Savings:<\/b><a href=\"https:\/\/www.prnewswire.com\/news-releases\/longevity-risk-retirees-and-pre-retirees-fear-declining-finances-and-deteriorating-health-in-older-age-301941429.html\"> <span style=\"font-weight: 400;\">45% of American workers<\/span><\/a><span style=\"font-weight: 400;\">, age 50 and older, cite outliving their assets as their greatest fear in retirement. With longer life expectancies and the rising cost of living, many retirees find themselves struggling to make ends meet if they haven&#8217;t adequately prepared. Without a plan in place to help ensure sufficient <\/span><a href=\"https:\/\/johnsonwim.com\/tips-for-building-your-retirement-fund\"><span style=\"font-weight: 400;\">income during retirement<\/span><\/a><span style=\"font-weight: 400;\">, individuals may be forced to rely on <\/span><a href=\"https:\/\/johnsonwim.com\/why-you-shouldnt-solely-rely-on-social-security-in-retirement-and-how-to-maximize-your-retirement-income\"><span style=\"font-weight: 400;\">Social Security benefits<\/span><\/a><span style=\"font-weight: 400;\"> alone, which may not be enough to cover essential expenses, let alone support a desired lifestyle.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Ill-equipped to Handle Emergencies: <\/b><a href=\"https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/\"><span style=\"font-weight: 400;\">Nearly 22% of U.S. adults<\/span><\/a><span style=\"font-weight: 400;\"> claim to have no emergency savings. From <\/span><a href=\"https:\/\/johnsonwim.com\/should-your-retirement-plan-include-long-term-care-insurance\"><span style=\"font-weight: 400;\">healthcare costs<\/span><\/a><span style=\"font-weight: 400;\"> to home repairs to family obligations, life is full of surprises that can quickly deplete savings if not properly accounted for in a retirement plan. Without a financial cushion or contingency plan in place, retirees may find themselves facing financial hardship or forced to make difficult choices in their <\/span><a href=\"https:\/\/johnsonwim.com\/retirement-readiness-signs-youre-ready-to-embrace-the-transition\"><span style=\"font-weight: 400;\">golden years<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Vulnerability in Time of Economic Downturns:<\/b><span style=\"font-weight: 400;\"> Failing to plan for retirement can leave individuals vulnerable to <\/span><a href=\"https:\/\/johnsonwim.com\/market-volatility-in-retirement\"><span style=\"font-weight: 400;\">market volatility<\/span><\/a><span style=\"font-weight: 400;\"> and economic downturns. Without a diversified investment portfolio and a strategy to <\/span><a href=\"https:\/\/johnsonwim.com\/balancing-risk-and-returns-in-your-retirement-portfolio\"><span style=\"font-weight: 400;\">manage risk<\/span><\/a><span style=\"font-weight: 400;\">, retirees may be at greater risk of losing a significant portion of their savings during market downturns, potentially derailing their retirement plans altogether. A comprehensive retirement plan helps <\/span><a href=\"https:\/\/johnsonwim.com\/identifying-risks-and-opportunities-in-retirement\"><span style=\"font-weight: 400;\">mitigate these risks<\/span><\/a><span style=\"font-weight: 400;\"> by diversifying investments, helping ensure a steady stream of income, and providing a buffer against market fluctuations.<\/span><\/li>\n<li aria-level=\"1\"><b>Stress: <\/b><span style=\"font-weight: 400;\">The lack of a comprehensive retirement plan can also take a toll on one&#8217;s <\/span><a href=\"https:\/\/johnsonwim.com\/taking-the-stress-out-of-retirement-planning-this-stress-awareness-month\"><span style=\"font-weight: 400;\">emotional well-being and overall quality of life<\/span><\/a><span style=\"font-weight: 400;\">. The uncertainty and stress associated with not knowing if you&#8217;ll have enough money to retire comfortably can lead to anxiety, depression, and diminished enjoyment of life in retirement. Conversely, having a well-thought-out retirement plan can provide peace of mind, allowing individuals to focus on pursuing their passions, spending time with loved ones, and enjoying the fruits of their labor without constantly worrying about their <\/span><a href=\"https:\/\/johnsonwim.com\/retirement-readiness-signs-youre-ready-to-embrace-the-transition\"><span style=\"font-weight: 400;\">financial future<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<h3><b>Understanding Your Retirement Needs<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Retirement is often hailed as the golden phase of life, but achieving <\/span><a href=\"https:\/\/johnsonwim.com\/achieving-financial-freedom-your-end-of-the-year-checklist\"><span style=\"font-weight: 400;\">financial freedom<\/span><\/a><span style=\"font-weight: 400;\"> during this period requires meticulous planning and<img decoding=\"async\" class=\"size-medium wp-image-16711 alignright\" src=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-1-200x300.png\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-1-200x300.png 200w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-1-683x1024.png 683w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-1-768x1152.png 768w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-1.png 800w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/> foresight. One of the most crucial steps toward a secure retirement is a thorough understanding of your needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Studies have estimated that retirees typically need <\/span><a href=\"https:\/\/www.dol.gov\/sites\/dolgov\/files\/ebsa\/about-ebsa\/our-activities\/resource-center\/publications\/top-10-ways-to-prepare-for-retirement.pdf\"><span style=\"font-weight: 400;\">70% to 90% of their pre-retirement income<\/span><\/a><span style=\"font-weight: 400;\"> to maintain their standard of living once they&#8217;ve transitioned out of the workforce. However, this figure can vary significantly based on individual circumstances, lifestyle preferences, and location.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When <\/span><a href=\"https:\/\/johnsonwim.com\/winter-is-coming-protecting-your-retirement-plan\"><span style=\"font-weight: 400;\">planning for retirement<\/span><\/a><span style=\"font-weight: 400;\">, it&#8217;s not just about replacing your income; it&#8217;s also about understanding potential additional expenses that may arise during this phase of life. One significant consideration is healthcare costs. As individuals age, <\/span><a href=\"https:\/\/johnsonwim.com\/healthcare-insurance-for-retirees-in-iowa\"><span style=\"font-weight: 400;\">healthcare expenses<\/span><\/a><span style=\"font-weight: 400;\"> often increase, encompassing medical check-ups, prescription medications, and possibly long-term care. It&#8217;s crucial to factor in these expenses when calculating your retirement needs to help ensure you&#8217;re adequately prepared for any eventualities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Moreover, retirement isn&#8217;t solely about financial considerations; it&#8217;s about maintaining the <\/span><a href=\"https:\/\/johnsonwim.com\/lifestyle-planning\"><span style=\"font-weight: 400;\">lifestyle you desire<\/span><\/a><span style=\"font-weight: 400;\"> and fulfilling your aspirations. Whether traveling the world, pursuing hobbies, or supporting loved ones, your retirement plan should also encompass these goals. By gaining a deeper understanding of the amount of savings required to sustain your desired lifestyle, you can set <\/span><a href=\"https:\/\/johnsonwim.com\/financial-iceberg\"><span style=\"font-weight: 400;\">realistic goals<\/span><\/a><span style=\"font-weight: 400;\"> and develop a comprehensive plan to achieve them.<\/span><\/p>\n<h3><b>How Johnson Wealth and Income Management Can Help<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">We understand that every individual\u2019s financial situation and goals are unique. That\u2019s why we take a personalized approach to <\/span><a href=\"https:\/\/johnsonwim.com\/the-top-10-myths-about-retirement-planning\"><span style=\"font-weight: 400;\">retirement planning<\/span><\/a><span style=\"font-weight: 400;\">. Our experienced advisors work closely with you to assess your current financial standing, understand your long-term objectives, and develop a customized plan tailored to your needs. Here are some of our tactics:<\/span><\/p>\n<p><b><img decoding=\"async\" class=\"size-medium wp-image-16712 alignleft\" src=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/3-1-200x300.png\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/3-1-200x300.png 200w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/3-1-683x1024.png 683w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/3-1-768x1152.png 768w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/3-1.png 800w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>1. Strategic Investment Management:\u00a0<\/b><\/p>\n<p><a href=\"https:\/\/johnsonwim.com\/investing-strategies-balancing-risk-and-return\"><span style=\"font-weight: 400;\">Investing wisely<\/span><\/a><span style=\"font-weight: 400;\"> can be crucial for building wealth. At <\/span><a href=\"https:\/\/johnsonwim.com\/\"><span style=\"font-weight: 400;\">Johnson Wealth and Income Management<\/span><\/a><span style=\"font-weight: 400;\">, we understand that each individual&#8217;s investment needs and goals are unique. That&#8217;s why our team of seasoned financial advisors takes a personalized approach to strategic investment management. We start by conducting a detailed assessment of your risk tolerance, time horizon, and financial objectives. Based on this analysis, we design a <\/span><a href=\"https:\/\/johnsonwim.com\/the-top-5-investing-dos-and-donts\"><span style=\"font-weight: 400;\">strategic investment<\/span><\/a><span style=\"font-weight: 400;\"> portfolio tailored to your specific needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our <\/span><a href=\"https:\/\/johnsonwim.com\/investing-safely\"><span style=\"font-weight: 400;\">strategic investment approach<\/span><\/a><span style=\"font-weight: 400;\"> focuses on diversification across various asset classes, including stocks, bonds, mutual funds, ETFs, and alternative investments. By spreading your investments across different asset classes, we aim to minimize risk while helping you maximize returns over the long term. Our team continuously monitors market trends and economic conditions, making strategic adjustments to your portfolio as needed to capitalize on opportunities and mitigate risks.<\/span><\/p>\n<p><b>2. Tax-Efficient Wealth Management<\/b><\/p>\n<p><span style=\"font-weight: 400;\">We also help our clients implement <\/span><a href=\"https:\/\/johnsonwim.com\/national-clean-up-your-irs-act-month-tips-for-tax-season\"><span style=\"font-weight: 400;\">tax-efficient wealth management<\/span><\/a><span style=\"font-weight: 400;\"> strategies to help minimize tax liabilities and maximize after-tax returns. Our team works closely with you to develop a customized tax strategy tailored to your individual circumstances. <\/span><span style=\"font-weight: 400;\">We employ a variety of tax-efficient investment techniques, such as maximizing contributions to tax-advantaged retirement accounts like IRAs and 401(k)s, implementing <\/span><a href=\"https:\/\/johnsonwim.com\/maximize-your-savings-tax-deductibility-tips-for-business-owners\"><span style=\"font-weight: 400;\">tax-loss harvesting strategies<\/span><\/a><span style=\"font-weight: 400;\"> to offset gains, and strategically timing withdrawals to help minimize tax consequences. By optimizing your<\/span><a href=\"https:\/\/johnsonwim.com\/now-is-the-time-to-kickstart-your-tax-planning-strategy\"><span style=\"font-weight: 400;\"> tax strategy<\/span><\/a><span style=\"font-weight: 400;\">, we help you keep more of your hard-earned money and preserve your wealth for the future.<\/span><\/p>\n<p><b>3. Retirement Income Planning<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Generating a reliable stream of income is essential for maintaining your standard of living and enjoying financial freedom in <\/span><a href=\"https:\/\/johnsonwim.com\/considerations-when-building-a-retirement-plan\"><span style=\"font-weight: 400;\">retirement<\/span><\/a><span style=\"font-weight: 400;\">. At <\/span><a href=\"https:\/\/johnsonwim.com\/\"><span style=\"font-weight: 400;\">Johnson Wealth and Income Management<\/span><\/a><span style=\"font-weight: 400;\">, we have extensive experience in comprehensive retirement income planning services designed to help ensure that you have a steady source of cash flow throughout your <\/span><a href=\"https:\/\/johnsonwim.com\/financial-planning-for-a-longer-retirement\"><span style=\"font-weight: 400;\">retirement years<\/span><\/a><span style=\"font-weight: 400;\">. Our team will work with you to develop a personalized income strategy based on your retirement goals, <\/span><a href=\"https:\/\/johnsonwim.com\/animations\/7-risks\"><span style=\"font-weight: 400;\">risk tolerance<\/span><\/a><span style=\"font-weight: 400;\">, and time horizon.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We&#8217;ll help you structure your investment portfolio to provide a consistent stream of income, whether through dividend-paying stocks, bonds, annuities, or other income-generating assets. Our goal is to design a<\/span><a href=\"https:\/\/johnsonwim.com\/new-retirement-savings-rule-putting-your-interests-first\"> <span style=\"font-weight: 400;\">retirement income plan<\/span><\/a><span style=\"font-weight: 400;\"> that meets your income needs while preserving capital and managing risk. We&#8217;ll also help you navigate important decisions, such as when to start taking <\/span><a href=\"https:\/\/johnsonwim.com\/why-you-shouldnt-solely-rely-on-social-security-in-retirement-and-how-to-maximize-your-retirement-income\"><span style=\"font-weight: 400;\">Social Security benefits<\/span><\/a><span style=\"font-weight: 400;\"> and how to optimize your retirement withdrawals for tax efficiency.<\/span><b><\/b><\/p>\n<p><b>4. Ongoing Support and Guidance<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Retirement planning is a lifelong journey that requires regular review and adjustment. At <\/span><a href=\"https:\/\/johnsonwim.com\/\"><span style=\"font-weight: 400;\">Johnson Wealth and Income Management<\/span><\/a><span style=\"font-weight: 400;\">,<img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-16713 alignright\" src=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/4-1-200x300.png\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/4-1-200x300.png 200w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/4-1-683x1024.png 683w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/4-1-768x1152.png 768w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/4-1.png 800w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/> we&#8217;re committed to providing you with ongoing support, guidance, and proactive portfolio management to help you stay on track toward your financial goals. Our dedicated team of advisors is here to assist you with navigating life transitions, adjusting your investment strategy as needed, and helping provide peace of mind throughout your retirement years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We&#8217;ll schedule regular check-ins to review your financial progress, discuss any changes in your circumstances or goals, and make adjustments to your retirement plan as necessary. Whether you have questions about your investments,<\/span><a href=\"https:\/\/johnsonwim.com\/tax-planning-strategies-for-retirees\"> <span style=\"font-weight: 400;\">tax strategy<\/span><\/a><span style=\"font-weight: 400;\">, or retirement income plan, our team is always available to provide you with the personalized support and guidance you need.<\/span><\/p>\n<h3><b>Final Thoughts<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Attaining financial independence during retirement necessitates meticulous planning, committed investment strategies, and expert guidance along the way.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With Johnson Wealth and Income Management by your side, you can embark on this journey with confidence, knowing that you have a trusted partner who is committed to helping you achieve your retirement goals. Whether you\u2019re just starting to plan for retirement or are already enjoying your golden years, we\u2019re here to provide the personalized advice, strategic investment management, and ongoing support you need to realize your vision of financial independence.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/johnsonwim.com\/contact\"><span style=\"font-weight: 400;\">Contact us today to learn more about how we can help you achieve financial freedom in retirement.<\/span><\/a><\/p>\n<hr \/>\n<p><small>All written content on this site is for informational purposes only. Opinions expressed herein are solely those of Johnson Wealth &amp; Income Management and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or help protect against loss in declining markets. All information and ideas should be discussed in detail with your individual advisor prior to implementation. The presence of this website, and the material contained within, shall in no way be construed or interpreted as a solicitation or recommendation for the purchase or sale of any security or investment strategy. In addition, the presence of this website should not be interpreted as a solicitation for Investment Advisory Services to any residents of states where otherwise legally permitted to conduct business. Fee-based financial planning and Investment Advisory Services are offered by Sound Income Strategies, LLC, an SEC Registered Investment Advisory firm. Johnson Wealth &amp; Income Management and Sound Income Strategies LLC are not associated entities. Johnson Wealth &amp; Income Management is a franchisee of the Retirement Income Source. The Retirement Income Source and Sound Income Strategies LLC are associated entities. \u00a9 2023 Sound Income Strategies.<\/small><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Retirement should be a time of relaxation, fulfillment, and freedom from financial worries. However, achieving financial freedom in retirement requires careful planning, prudent investing, and expert guidance.\u00a0 In this blog, we\u2019ll explore how you can realize your dream of financial independence during your golden years with the help of Johnson Wealth and Income Management. Why [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16709,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[37],"tags":[528,186,147,151,121,82,73,228,28,308,174,624,106,29,94,127,45],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Achieving Financial Freedom in Retirement with Johnson Wealth and Income Management - Johnson Wealth and Income Management<\/title>\n<meta name=\"description\" content=\"Retirement should be a time of relaxation, fulfillment, and freedom from financial worries. 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