John Barringer

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

Executive Wealth Planning Partners

Job Title:

Managing Partner

Biography:

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 myStockOptions.com. 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.

Education:

BA, Economics, University of Colorado-Boulder

Assets Under Management:

$100 million

Fee Structure:

Fee-Based
Commission

CRD Number:

1560069

Insurance License:

#29825

Disclaimer:

Executive Wealth Planning Partners is a marketing entity affiliated with First Financial Equity Corporation for the purposes of providing brokerage securities and investment advisory services. Brokerage Securities and Insurance products are offered through First Financial Equity Corporation.  Executive Wealth Planning Partners, First Financial Equity Corporation 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, IRAs, Retirement Plans
Should I convert $100,000 per year to a Roth IRA before reaching age 70 if I have a traditional IRA account with $500,000 and a $20,000 income?
88% of people found this answer helpful

It almost never makes tax planning sense to convert tax deferred accounts to a ROTH when you are over the age of 55 because the realistic chance of earning back the tax consequences over your actuarial lifetime is low. If you knew for certain that you were going to live beyond age 90 (25 years from now) and could say with equal certainty that you'd receive better than an 8% annual return then it could make sense to pay $18,500 per year, for five years ($92,500) in conversion taxes (under current tax rates).

The ideal strategy for saving retirement funds in a ROTH is to start young and build up a substantial tax free source of income to use when you retire and to retire in a relatively high tax bracket. That is not your situation.

Someone with $20,000 in annual income is in the lowest (12%) tax bracket. You could take an additional $30,700 (net of the new $12,000 standard deduction for single filers) from your IRA before you moved into the next bracket (22%) but that sort of withdrawal would reduce your IRA to zero by about age 82. A better strategy would be to withdraw no more than 4% ($20,000) annually, from your IRA, to supplement your current income. Save it in a tax-free account if you don't spend it. This rate is likely to allow you to make the $500,000 last for your lifetime even under very modest return assumptions and save you $30,000 in taxes, if you live to be 90. In fact, you'd need to live to be 103 to pay the same amount of taxes as the five year conversion strategy would make you pay (assuming today's tax rates).

 

August 2018
    Investing
I invested $200,000 with a steady yield of 8% per year that I kept for 9 years. How can I estimate the value of my investment using the rule of 72?
78% of people found this answer helpful
April 2016
    Investing, Stocks
What is the ideal number of stocks to have in a portfolio?
78% of people found this answer helpful
October 2016
    Asset Allocation, Stocks
How should I balance my portofolio between dividend paying stocks and growth stocks?
77% of people found this answer helpful
May 2016
    Stocks
What's the safest way to invest in high-yielding dividend stocks?
77% of people found this answer helpful
October 2016