Retire at New Heights with Johnnie Roberts

Johnnie Roberts
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Welcome to the Retire at New Heights podcast with financial expert and author Johnnie Roberts. Each episode features helpful insights, practical tips and reliable strategies to help make your retirement as enjoyable as possible. Enjoy listening as co-host Michael DeLon talks with Johnnie Roberts about Securing Your Incredible Future with a Retirement Shield.

  1. 3d ago

    The Power of Zero: Types of Annuities

    In this episode, Johnnie continues his “Power of Zero” series by exploring how fixed index annuities fit into a retirement strategy. Johnnie explains the difference between risky and protected financial vehicles, using simple analogies like ladders and stair steps to show how retirees can position part of their money in safer places while still participating in market growth. The conversation also tackles common misconceptions around annuities and encourages listeners to stay open-minded and educated about retirement planning tools.

    12 min

  2. Jun 5

    The Power of Zero as a Retirement Mindset

    In this episode, Johnnie discusses the importance of mindset in retirement planning and how outdated beliefs about financial tools can limit retirement success. Drawing from biblical principles and real-world examples, he explains why modern life insurance and annuity products deserve a fresh look. Johnnie shares how many retirees focus too heavily on account balances and market returns while overlooking strategies designed to provide long-term income, tax advantages, protection, and peace of mind. He then encourages listeners to approach retirement planning with an open mind and a willingness to explore tools that may better support their goals.

    14 min

  3. May 29

    The Power of Zero: Life Insurance (Death Benefit / Living Benefits: Loans, Tax Free Income)

    In this episode, Johnnie continues his Power of Zero series by exploring how life insurance can play a major role in retirement planning. Beyond the traditional death benefit, he discusses living benefits, tax-free access to funds, policy loans, and how certain permanent life insurance policies may help create income streams while protecting loved ones. He also challenges common misconceptions about life insurance and encourages listeners to rethink how these financial tools fit into a long-term retirement strategy.

    14 min

  4. May 22

    The Power of Zero: Your 59 1/2 Birthday is more important than you may realize

    In this episode, Johnnie discusses why age 59½ is such a pivotal milestone in retirement planning. He explains how this “half birthday” allows many people to move retirement funds from employer-sponsored plans into more flexible financial vehicles through in-service rollovers. The conversation also explores tax planning, Roth conversions, and why retirement planning should begin with understanding future taxes—not just preparing last year’s return.

    11 min

  5. May 15

    The Power of Zero: Traditional IRA & Roth

    In this episode, Johnnie breaks down the “three bucket” approach to retirement planning: taxable, tax-deferred, and tax-free. He explains why so many Americans focus heavily on traditional 401(k)s and IRAs, and why that can create significant tax exposure in retirement. He introduces a powerful analogy—treating the IRS like a business partner who owns part of your retirement account—and explains why many retirees should consider gradually “buying out” that partner through strategic tax planning and Roth conversions.

    14 min

  6. May 8

    The Power of Zero with Giving Money to Your Kids

    In this episode, Johnnie explains how the “Power of Zero” applies to gifting money to children and grandchildren. He outlines the IRS rules that allow individuals to give up to $19,000 per year (or $38,000 for married couples) without triggering reporting requirements. The discussion emphasizes planning, strategy, and understanding tax laws to maximize generosity while minimizing tax exposure.

    9 min

  7. May 1

    The Power of Zero with Annuities - No Loss / No Taxes / No Worries

    In this episode, Johnnie breaks down the concept of “The Power of Zero” and how it applies to annuities. He explains why eliminating losses and minimizing taxes are critical goals for retirees, and how fixed and indexed annuities can provide stability, growth potential, and peace of mind. The conversation highlights the importance of control—over markets, taxes, and financial outcomes—as a cornerstone of a successful retirement plan.

    12 min

  8. Apr 24

    How do Taxes Affect Estate Planning with special guest, Shelly Cioppa Founder of Sharp Edge Tax Solutions

    In this episode, the conversation turns to estate planning and the tax implications of passing down wealth. Johnnie and Shelly explain how inherited tax-deferred accounts can create unexpected tax burdens for beneficiaries, especially when required distributions apply. The discussion highlights why proactive planning—including Roth conversions—can protect heirs from unnecessary taxes and preserve more wealth across generations.

    10 min
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About

Welcome to the Retire at New Heights podcast with financial expert and author Johnnie Roberts. Each episode features helpful insights, practical tips and reliable strategies to help make your retirement as enjoyable as possible. Enjoy listening as co-host Michael DeLon talks with Johnnie Roberts about Securing Your Incredible Future with a Retirement Shield.

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