{"id":16725,"date":"2024-03-29T09:12:03","date_gmt":"2024-03-29T14:12:03","guid":{"rendered":"https:\/\/johnsonwim.com\/?p=16725"},"modified":"2024-03-29T09:12:03","modified_gmt":"2024-03-29T14:12:03","slug":"are-you-clued-up-on-your-financial-literacy","status":"publish","type":"post","link":"https:\/\/johnsonwim.com\/are-you-clued-up-on-your-financial-literacy","title":{"rendered":"Are You Clued Up on Your Financial Literacy?"},"content":{"rendered":"<p><b>Welcome to Financial Literacy Month! April provides an invaluable opportunity to shed light on the intricate financial challenges that confront aging Americans as they approach retirement. Discover the pivotal role financial literacy plays in helping secure a prosperous retirement journey here.<\/b><\/p>\n<p>At Johnson Wealth and Income Management, located right here in the heart of Iowa, we intimately understand the distinct hurdles our retirees encounter. Our mission? To be your guiding light toward financial success, empowering you to navigate the complexities of retirement planning with confidence and clarity.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-16711 alignright\" src=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-1-200x300.png\" sizes=\"(max-width: 200px) 100vw, 200px\" 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\" alt=\"\" width=\"200\" height=\"300\" \/><\/p>\n<p>A <a href=\"https:\/\/www.tiaa.org\/content\/dam\/tiaa\/institute\/pdf\/insights-report\/2023-01\/longevity_literacy_financial_literacy_and_retirement_readiness.pdf\">report from the TIAA Institute<\/a>\u00a0finds that \u201cadults with greater financial literacy tend to have better financial well-being.\u201d In addition:<\/p>\n<ul>\n<li>Participants who had more financial knowledge were more likely to be saving for retirement.<\/li>\n<li>Retirement readiness tends to be better among those with greater financial literacy.<\/li>\n<li>For retirees, 88 percent of those who were the most familiar with financial literacy concepts said that their retirement has met or exceeded their expectations.<\/li>\n<\/ul>\n<p>Financial literacy encompasses a variety of skills, but we\u2019ll focus on some basics that are relevant to planning for a successful retirement. Whether you\u2019re just starting your career or planning on retiring soon, mastering these skills will help you improve your future financial security.<\/p>\n<h3><b>Understanding Your Retirement Needs<\/b><\/h3>\n<p>Retirement is often hailed as the golden phase of life, but achieving\u00a0<a href=\"https:\/\/johnsonwim.com\/achieving-financial-freedom-your-end-of-the-year-checklist\">financial freedom<\/a> during this period requires meticulous planning and\u00a0foresight. One of the most crucial steps toward a secure retirement is a thorough understanding of your needs.<\/p>\n<p>Studies have estimated that retirees typically need\u00a0<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\">70% to 90% of their pre-retirement income<\/a>\u00a0to maintain their standard of living once they\u2019ve transitioned out of the workforce. However, this figure can vary significantly based on individual circumstances, lifestyle preferences, and location.<\/p>\n<p>When\u00a0<a href=\"https:\/\/johnsonwim.com\/winter-is-coming-protecting-your-retirement-plan\">planning for retirement<\/a>, it\u2019s not just about replacing your income; it\u2019s also about understanding potential additional expenses that may arise during this phase of life. M<span style=\"font-weight: 400;\">oreover, retirement isn\u2019t solely about financial considerations; it\u2019s about maintaining the\u00a0<a href=\"https:\/\/johnsonwim.com\/lifestyle-planning\">lifestyle you desire<\/a>\u00a0and 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\u00a0<a href=\"https:\/\/johnsonwim.com\/financial-iceberg\">realistic goals<\/a>\u00a0and develop a comprehensive plan to achieve them.<\/span><\/p>\n<h3>Understanding Financial Literacy: A Foundation for Prosperity<\/h3>\n<p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"size-medium wp-image-16732 alignleft\" src=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-2-200x300.png\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-2-200x300.png 200w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-2-683x1024.png 683w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-2-768x1152.png 768w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-2.png 800w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/span><\/p>\n<p>What exactly is financial literacy, and why is it so crucial? Financial literacy is more than just a buzzword; it&#8217;s the cornerstone of a prosperous retirement journey. It encompasses a spectrum of vital skills and knowledge, from budgeting and saving to investing and managing debt. But it doesn&#8217;t stop there. Financial literacy also entails interpreting financial documents, navigating complex systems, and making informed decisions that shape your financial destiny.<\/p>\n<p>Imagine financial literacy as your GPS through the maze of retirement planning. With it, you&#8217;re equipped to steer clear of pitfalls, adjust course when needed, and confidently navigate toward your financial goals. And in today&#8217;s rapidly evolving financial landscape, where retirement isn&#8217;t just about kicking back but also about making strategic financial moves, being financially literate is non-negotiable.<\/p>\n<h3>The Role of Financial Literacy in Retirement<\/h3>\n<p><span style=\"font-weight: 400;\">From grasping <\/span><a href=\"https:\/\/johnsonwim.com\/now-is-the-time-to-kickstart-your-tax-planning-strategy\"><span style=\"font-weight: 400;\">tax strategies<\/span><\/a><span style=\"font-weight: 400;\"> to selecting the right savings accounts, financial literacy is essential for managing the variables that impact your golden years \u2013 and your <\/span><a href=\"https:\/\/johnsonwim.com\/achieving-financial-freedom-in-retirement-with-johnson-wealth-and-income-management\"><span style=\"font-weight: 400;\">financial well-being<\/span><\/a><span style=\"font-weight: 400;\">. It&#8217;s<img decoding=\"async\" class=\"size-medium wp-image-16733 alignright\" src=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-2-200x300.png\" alt=\"\" width=\"200\" height=\"300\" srcset=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-2-200x300.png 200w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-2-683x1024.png 683w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-2-768x1152.png 768w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/2-2.png 800w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/> <\/span><span style=\"font-weight: 400;\">As retirement draws near, the importance of financial literacy magnifies. This phase of life presents critical, often irreversible decisions. From investment strategies to selecting the right savings accounts, every choice impacts your golden years and financial well-being. With meticulous planning and diligent saving, you can help ensure a steady income during retirement while safeguarding against potential pitfalls like excessive debt or unforeseen expenses.<\/span><\/p>\n<p>Let&#8217;s delve deeper into the benefits of financial literacy:<\/p>\n<ul>\n<li><strong>Avoiding Costly Mistakes<\/strong>: Financial illiteracy can be a costly affair. The average American, a recent poll found, <a href=\"https:\/\/gflec.org\/initiatives\/personal-finance-index\/\">loses $1,819 a year<\/a> because of a\u00a0lack of financial literacy. Add that together and that means Americans lose something like $436 billion annually because they lack financial savvy. By being financially literate, you can sidestep these mistakes, ensuring your hard-earned savings aren&#8217;t squandered on avoidable blunders.<\/li>\n<li><span style=\"font-size: 16px;\"><strong>Achieving Retirement Goals<\/strong>: Retirement planning is rife with challenges, from underestimating healthcare costs to neglecting emergency savings. Financial literacy empowers you to set <a href=\"https:\/\/johnsonwim.com\/achieving-financial-freedom-in-retirement-with-johnson-wealth-and-income-management\">realistic goals<\/a>, stay accountable to your financial plans, and work steadily toward the retirement lifestyle you envision.<\/span><\/li>\n<li><span style=\"font-size: 16px;\"><strong>Confidence in Investing<\/strong>: <a href=\"https:\/\/johnsonwim.com\/investing-strategies-balancing-risk-and-return\">Investment strategies<\/a> for retirement demand careful consideration and understanding. With financial literacy, you gain the confidence to make informed investment decisions, setting the stage for a comfortable retirement and tangible progress toward your financial aspirations.<\/span><\/li>\n<\/ul>\n<h3>Empowering Your Financial Journey<\/h3>\n<p>So, how can you bolster your financial literacy? Here are some actionable steps:<\/p>\n<ul>\n<li><strong>Be Proactive:<\/strong> Subscribe to financial newsletters, like our Watchmen Weekly, to receive valuable insights directly in your inbox.<\/li>\n<li><strong>Listen and Learn:<\/strong> Tune into financial podcasts to stay abreast of the latest trends and insights.<\/li>\n<li><strong>Get Social:<\/strong> Follow financial accounts on <a href=\"https:\/\/twitter.com\/jwim_retirement\">Twitter (X)<\/a>, <a href=\"https:\/\/www.facebook.com\/johnsonwim\/\">Facebook <\/a>and <a href=\"https:\/\/www.instagram.com\/johnson_wealth_and_income\/\">Instagram<\/a> for insightful information, <span style=\"font-weight: 400;\">and read free online resources like financial<\/span><a href=\"https:\/\/johnsonwim.com\/resources\/news\"><span style=\"font-weight: 400;\"> planning blogs<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li><strong>Visualize Success<\/strong>: Dive into the world of financial education through informative <a href=\"https:\/\/www.youtube.com\/channel\/UCK7Oc5UFVHxbNFHX4jqrnZg\">YouTube<\/a> channels and shows.<\/li>\n<li><strong>Seek Expert Guidance<\/strong>: Consult with a financial professional (<a href=\"https:\/\/johnsonwim.com\/about\">preferably a Fiduciary<\/a>) who can provide personalized guidance tailored to your unique financial situation.<\/li>\n<\/ul>\n<h3><b>Financial Literacy with Johnson Wealth and Income Management<\/b><\/h3>\n<p>At Johnson Wealth and Income Management, we&#8217;re not just financial advisors; we&#8217;re your partners in prosperity. Led by Fiduciary Matthew P. Johnson, our team is committed to crafting customized solutions designed to safeguard your retirement assets while helping you achieve your financial goals. From retirement planning to investment strategies, <a href=\"https:\/\/johnsonwim.com\/tax-planning-strategies-for-retirees\">tax options<\/a> to insurance strategies, we&#8217;ve got you covered.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-16732 size-medium\" src=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-2-200x300.png\" alt=\"Financial Literacy\" width=\"200\" height=\"300\" srcset=\"https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-2-200x300.png 200w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-2-683x1024.png 683w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-2-768x1152.png 768w, https:\/\/johnsonwim.com\/wp-content\/uploads\/2024\/03\/1-2.png 800w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/p>\n<p>But our commitment doesn&#8217;t end there. We offer a wealth of resources and tools aimed at enhancing your financial literacy. Whether it&#8217;s through engaging workshops or one-on-one coaching sessions, we&#8217;re here to equip you with the knowledge and skills necessary to thrive in today&#8217;s financial landscape.<\/p>\n<p><a href=\"https:\/\/johnsonwim.com\/services\"><span style=\"font-weight: 400;\">Our services include<\/span><\/a><span style=\"font-weight: 400;\">:\u00a0<\/span><\/p>\n<ul>\n<li><b>Retirement Planning<\/b><\/li>\n<li><b>Investment Strategies and <a href=\"https:\/\/johnsonwim.com\/investing-strategies-balancing-risk-and-return\">Risk Mitigation<\/a><\/b><\/li>\n<li><b>Tax Options<\/b><\/li>\n<li><b>Insurance Strategy<\/b><\/li>\n<li><b>Money Management<\/b><\/li>\n<li><b>Lifestyle Balance<\/b><\/li>\n<\/ul>\n<h3><strong>Ready to Take the Next Step?<\/strong><\/h3>\n<p>Don&#8217;t let financial uncertainty dim the brightness of your retirement dreams. <a href=\"https:\/\/johnsonwim.com\/contact\">Contact us today<\/a> to schedule a complimentary consultation and embark on your journey toward financial empowerment. Together, let&#8217;s unlock the wisdom of financial literacy and chart a course toward a fulfilling retirement.<\/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>Welcome to Financial Literacy Month! April provides an invaluable opportunity to shed light on the intricate financial challenges that confront aging Americans as they approach retirement. Discover the pivotal role financial literacy plays in helping secure a prosperous retirement journey here. At Johnson Wealth and Income Management, located right here in the heart of Iowa, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16731,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":null,"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":null,"ast-hfb-below-header-display":null,"ast-hfb-mobile-header-display":null,"site-post-title":"","ast-breadcrumbs-content":null,"ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":null,"stick-header-meta":null,"header-above-stick-meta":null,"header-main-stick-meta":null,"header-below-stick-meta":null,"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":[528,186,475,121,628,331,332,230,627,73,333,228,28,626,43,29,127,52,45],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Are You Clued Up on Your Financial Literacy? - Johnson Wealth and Income Management<\/title>\n<meta name=\"description\" content=\"April is Financial Literacy Month, providing an invaluable opportunity to shed light on the intricate financial challenges that confront aging Americans as they approach retirement. 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