Faith-Based Financial Guidance with Craig Johnston, MBA • Independent • Fee-Only
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Research suggested that a retiree could take out about 4% of their savings without eroding their principal balance. On $500,000, that's roughly $20,000 in the first year.
It's a starting point. Your own number depends on how your money is invested, what you pay in taxes, and when you claim Social Security.
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Schedule a Call with Craig →Our Insights library is designed to simplify complex financial topics and help you understand the strategies, principles, and long-term considerations behind thoughtful decision-making. No hype, no predictions — just clarity.
I’ve had clients come to me with thick binders from previous advisors. Beautifully bound. Color charts. Projections out to age 95. They were impressive to
You’re executing a 1031 exchange and have $500,000 to invest. Now comes the critical decision: Do you own property directly, or do you invest in
One mistake costs you tens of thousands in taxes. Most 1031 investors make at least one. The difference between a successful 1031 exchange and a
You had a great year. Your rental real estate appreciated significantly, or your business had strong performance. Now you’re facing a capital gains tax bill.
You’ve built wealth through real estate. Now you’re facing a capital gains tax bill that could consume $50,000, $100,000, or more. A 1031 exchange offers
Most Christians who invest have never asked what their money is actually funding. That’s not a criticism — it’s a structural problem. Modern investing is
Fiduciary Counsel | Real Estate Tax Planning | 2026 If you’re sitting on a $500,000-plus investment property and considering a sale, the number you need
If you’ve ever tried to compare financial advisors, you’ve probably run into a wall of confusing terminology. Fee-only. Fee-based. AUM. Commission. Load funds. Wrap fees.
When I entered this industry in 1983, the Dow Jones was sitting below 1,200. There was no internet, no ETFs, no 401(k) culture as we
“Render therefore unto Caesar the things which are Caesar’s, and unto God the things that are God’s.” — Matthew 22:21 Scripture is clear: we honor
There’s a moment many generous people never reach — not because they lack the intention, but because they never had a clear map. They give
You close on the sale of your investment property. You just realized a significant capital gain. Your CPA reminds you: identify replacement property within 45
In the financial world, not all advisors are created equal. Many operate under a “suitability standard,” meaning they only need to suggest products that are
Most people think about taxes only once a year—usually in the frantic weeks leading up to April 15th. By then, it’s often too late to
A common strategy to identify replacement properties is the “3 Property Rule,” where an exchanger may identify up to three properties, without regard to their
I’ve had clients come to me with thick binders from previous advisors. Beautifully bound. Color charts. Projections out to age 95. They were impressive to
You’re executing a 1031 exchange and have $500,000 to invest. Now comes the critical decision: Do you own property directly, or do you invest in
One mistake costs you tens of thousands in taxes. Most 1031 investors make at least one. The difference between a successful 1031 exchange and a
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