John Barringer

Retirement, Investing, Lifestage Based Planning
“For 30 years, John Barringer has advised executives and employees about their equity compensation and retirement plan holdings.”

Executive Wealth Planning Partners

Job Title:

Managing Partner


John spent 28 years as a financial adviser at a major wire house before leaving to start his own advisory firm, Executive Wealth Planning Partners (affiliated with First Financial Equity Corp.) specializes in providing consulting and asset management services to public companies, their employees and qualified retirement plans. Through a series of strategic partnerships John's team offers stock plan administration, corporate cash management, 401(k) plan administration services and individual asset management.

John is also the founder of the National Association of Stock Plan Professionals (NASPP) Rocky Mountain Chapter. He currently serves as Chapter President. This organization is devoted to the promotion of professionalism in the design, administration of and advice to equity compensation plans and their participants at the nation’s publicly traded companies. He is a member of the Global Equity Organization (GEO), the National Center for Employee Ownership (NCEO) and the Financial Planning Association (FPA).

John is an advisory board member and contributing editor at the financial advice web site His popular “Stockbroker Secrets” articles found there are a common-sense guide to managing employee stock options wisely.

John has also assisted in the development of employee stock option analysis software published by Net Worth Strategies in Bend, Oregon which financial and tax advisors nationwide use to model employee stock ownership and stock option exercise strategies.


BA, Economics, University of Colorado-Boulder

Assets Under Management:

$100 million

Fee Structure:


CRD Number:


Insurance License:



Executive Wealth Planning Partners and Work Wealthy are marketing entities that operate under First Financial Equity Corporation for the purposes of providing brokerage securities and investment advisory services. Additionally,  advisory services are offered through Vista Private Wealth Partners LLC, a separate SEC registered investment advisory firm. Brokerage Securities and Insurance products are offered through First Financial Equity Corporation.  Executive Wealth Planning Partners, First Financial Equity Corporation, Work Wealthy, Vista Private Wealth Partners LLC, and it’s advisors do not give tax or legal advice. This material was not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Please consult your tax advisor or attorney for tax and legal advice. The opinions expressed and materials provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. First Financial Equity Corporation is Member FINRA/SIPC.

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February 2017
    401(k), Career / Compensation, IRAs, Stocks
February 2017
    Career / Compensation, Choosing an Advisor, Financial Planning, Stocks

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    Retirement, Asset Allocation
Should I change the date of my target-date funds because I am cautious of the market?
100% of people found this answer helpful

The answer to your question is...maybe. You don't say which target date fund(s) you're using. They are not all the same although they all purport to have the same objective; maintain an evolving asset allocation to provide growth and protect principal with the goal of having a mostly liquid portfolio at the target date. There are numerous ways to attempt this investment objective. Some of these funds showed their vulnerabilities during the last market downturn, others did a remarkably good job of weathering the storm.

You should be cautious about adjusting or abandoning your own investment objective. You don't say WHY you have chosen to use this type of fund for your retirement investment strategy. Target date funds are a disciplined (somewhat expensive) use of a portfolio strategy that many investors use as a "set it and forget it" approach to long term planning. If the fund is part of a 401(k) into which an investor is making monthly payroll deduction contributions, the ups and downs of the market tend to get smoothed out while the fund keeps its sights set on the target.

Timing the market is, more often than not, a trick that fails. 2025 is not that far away, perhaps as little as a single market cycle, if history is any guide. Shortening your fund target will make the character of your portfolio shorter-term in nature. You should expect to get a lower return from a less risky portfolio. What happens if your (and many others) fears about the next several years don't play out as you imagine?

While there is circumstantial evidence that Presidential administration changes have an effect on the market (and they all try to take credit for anything good that happens while they are in office), even a big electoral change like this is just one of a long list of things going on in the world at any moment in time that could potentially impact markets. More often than not, big moves are a surprise, not the result of something everyone knows.

January 2017
    IRAs, Taxes
Would contributions to our Traditional IRAs reduce our tax burden?
100% of people found this answer helpful
December 2016
    Personal Finance
Can I defer an RMD distribution to next year?
100% of people found this answer helpful
December 2016
    Investing, Stocks, Taxes
Do I owe tax on a cash exchange?
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December 2016
    Debt, Taxes, Tax Deductions / Credits
How much is the tax deductible nature of a HELOC worth compared to a non-tax deductible interest rate?
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December 2016