Middle Class Millionaire: Advisor Conversations with John Choi, CFP®
The Middle Class Millionaire with John Choi, CFP® is all about helping you prepare to thrive through an uncertain financial future. John believes that with proper planning you can achieve clarity, direction, and confidence regarding your financial and retirement goals. Since 1993, John has provided a team-based, solutions-oriented approach to wealth planning and investment management. Listen to Middle Class Millionaire to better understand the "why" behind your plan as John discusses investments, insurance, 401(k)s, IRAs, tax planning, and so much more. Find out more at https://johnchoi.net or by calling 847-247-0850 to reach John and the Epiphany Capital team.
Episodes
41 episodes
How The CFP® Desigination Effected My Practice (Part 1)
Welcome to a new season of Middle Class Millionaire! We’re excited to spend this season chatting with financial professionals and students to explore their unique perspectives, stories, and strategies for success in the industry. This episode, ...
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34:14
End of Year Planning, Changes To The Podcast & More!
Year-end planning is always a smart move, so this week on Middle Class Millionaire, John shares essential checklist items to wrap up 2024 strong. Plus, we’ll give you a sneak peek at exciting podcast changes coming in 2025 and catch up...
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22:31
Mistakes When Choosing A Financial Advisor
Next up: uncover the critical mistakes many make when choosing a financial advisor. We're cutting through the noise to highlight what often goes wrong—from misplaced trust in big names to overlooking the fine print. This episode is your essenti...
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15:28
Retirement Questions That Every Generation Is Asking: Millennials
Each generation is currently navigating a unique part of the retirement planning experience. With many baby boomers preparing for the transition into retirement and the early half of Generation Z taking their initial steps into the career field...
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15:00
Your Financial Wellness Check-Up
Just like an annual checkup is important for maintaining good health, performing regular financial checkups is an essential part of planning for a healthy and successful retirement. By regularly assessing your budget, goals, and progress, you c...
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17:20
Retirement Questions That Every Generation Is Asking: Generation X
Each generation is currently navigating a unique part of the retirement planning experience. With many baby boomers preparing for the transition into retirement and the early half of Generation Z taking their initial steps into the career field...
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15:37
Retirement Questions That Every Generation Is Asking: Baby Boomers
Each generation is currently navigating a unique part of the retirement planning experience. With many baby boomers preparing for the transition into retirement and the early half of Generation Z taking their initial steps into the career field...
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19:22
How Is Technology Redefining Retirement Planning?
Unpack the toolbox of technology that's promising to redefine retirement planning, but does it deliver? This episode takes a critical look at the wave of innovations, from personal finance management software to online calculators, and question...
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20:54
Let's Talk About Procrastination, Side Hustles & Rental Property
Welcome back to Middle Class Millionaire! In this week's episode, we're going to touch on a couple of different financial planning topics. Stay tuned as John and Marc chat about procrastination, the benefits of side hustles, and whether to keep...
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16:37
Is Retirement Planning Harder Than It Used To Be?
Every generation likes to talk about how much harder things used to be when they were kids. Like all of the people who used to have to walk five miles to school, in the snow, uphill both ways. But they had at least one thing that was EASIER…and...
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21:09
Are Your Good Money Habits Holding You Back? (Part 2)
Welcome back to part 2 of a conversation that might be a bit counterintuitive. We’re going to question the real impact of common financial habits. Are the strategies you consider beneficial actually working in your favor? We explor...
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18:47
Are Your Good Money Habits Holding You Back? (Part 1)
This episode might be a bit counterintuitive. We’re going to question the real impact of common financial habits. Are the strategies you consider beneficial actually working in your favor? We explore the pros and cons of practices like ignoring...
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Episode 30
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20:32
Patience Pays: The Power of Delayed Gratification
Sometimes it’s hard to make financial sacrifices when the reward might not be seen until several years in the future. Today we’ll talk about some of the situations where you might be inclined to take the immediate benefit when you should really...
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19:48
Financial Tweaks That Matter: Small Steps, Big Impact (Part 2)
Ever thought that minor tweaks in your financial plan could lead to major wins? In this episode, we're back to explore the surprisingly powerful world of simple financial adjustments. From overlooked savings tricks to smarter insurance choices,...
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22:45
Financial Tweaks That Matter: Small Steps, Big Impact (Part 1)
Ever thought that minor tweaks in your financial plan could lead to major wins? In this episode, we're exploring the surprisingly powerful world of simple financial adjustments. From overlooked savings tricks to smarter insurance choices, we're...
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20:21
Money Mistakes You'll Regret and How to Avoid Them
“Learn from the mistakes of others. You can’t live long enough to make them all yourself.” – Eleanor Roosevelt… Ever wish you could foresee financial missteps before they happen? In today’s episode, explore some real-life stories of regret and ...
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19:23
Retirement Planning for High-Net-Worth Individuals
In today's episode, we're taking a close look at high-net-worth individuals - those who have accumulated significant wealth and face unique challenges and opportunities when planning for retirement. Unlike the average person, their financial co...
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18:42
Understanding RMDs: A Guide For Retirees & The Soon-to-Retire
Are you over 55 and pondering retirement? Dive into the world of Required Minimum Distributions (RMDs) with us. In this episode, we demystify the reasons behind mandatory withdrawals from your retirement savings. Discover strategies to potentia...
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16:46
Are There Universal Retirement Truths?
Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Dive deep in this episode, where we juxtapo...
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15:27
Building An Estate Plan With No Regrets
There are some people who don’t care at all about leaving a financial legacy, but for those who do, it’s important to eliminate some of the common estate planning mistakes. In this episode, we cover topics ranging from poor expense planning to ...
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18:26
Breaking Up is Hard to Do: Navigating the Transition to a New Financial Advisor
In today's episode, we'll explore the sensitive and significant process of transitioning from one financial advisor to another. We'll cover how to recognize when your current advisor may no longer be serving your financial needs effectively, th...
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20:30
Spotting Problematic Personalities of Rogue Advisors
Finding a trustworthy and competent financial advisor is essential for securing your financial future. After all, they play a vital role in helping you make informed decisions about your money, investments, and long-term financial goals. But ho...
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19:21
Mastering Retirement Cash Flow: Understanding Income
Today's episode is all about understanding the crucial role of income analysis in retirement. We'll uncover the secrets of guaranteed income versus the uncertain stuff and shed light on the consequences of retiring without a clear income plan. ...
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17:32
Counterintuitive Advice: Why You Should NOT Invest In A 401(k)
Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it's import...
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19:53