JKD Financial in the News
Written by John Davis, CFP®, EA
At JKD Financial, I believe that clear, tax-forward financial advice should be accessible and transparent. Part of that mission involves contributing to broader conversations about retirement, tax planning, and the evolving financial landscape.
Below is a collection of recent articles, interviews, and features where I’ve shared my insights or where JKD Financial has been highlighted.
Recent Features
4 Ways to Make the Most of Your 'Unretirement'
By Daniel Kurt | Financial Bistro
In this article, I discuss the critical tax and Social Security implications for retirees re-entering the workforce. I outline how earned income can trigger early retirement penalties under the Social Security earnings cap, how new wages alter the taxation of retirement benefits, and why proactive W-4 tax withholding adjustments are essential to prevent surprise liabilities and underpayment penalties at year-end.
How to Keep Client Couples' Simultaneous Retirements From Going Wrong
By Rob Burgess | ThinkAdvisor
In this feature, I discuss why a synchronized retirement date is often the ideal scenario from a tax and cash-flow perspective. I outline how retiring at the same time allows a household to cleanly transition from a W-2 accumulation phase to a retirement distribution phase all at once, avoiding the messy "hybrid" tax years and underpayment penalties that can happen when couples stagger their exit from the workforce.
The Hidden Financial Pitfalls of Unretirement
With Robin Rountree | Informed Aging Podcast
In this episode, I join Robin to discuss the growing trend of retirees returning to the workforce. I break down the earnings test traps that can catch those under Full Retirement Age off guard and explain how a new paycheck can create unexpected tax ripples with Social Security. I share my framework for ensuring that unretiring actually improves your financial position rather than just complicating your tax return.
Moving to a No-Income-Tax State: Is It Really Worth It?
By Orpher Ganel | Wealthtender
In this expert roundtable, I discuss why moving for "zero taxes" can sometimes be a trap if you aren't looking at the total tax impact (property taxes, sales tax, and infrastructure). I explain my "lifestyle first, math second" approach to relocating in retirement.
Financial Adviser Launches New Firm
Geoff Pickle | Springfield Business Journal
A feature on the launch of JKD Financial. I share the story behind starting the firm, the decision to bet on myself, and why I chose a flat-fee, tax-focused model to better serve my clients in Springfield and beyond.
2024 Trusted Advisers: John Davis
Geoff Pickle | Springfield Business Journal
I was honored to be recognized in the 2024 class of Trusted Advisers. This profile covers my background in retirement income and tax planning, as well as my commitment to pro-bono work and community involvement here in the Ozarks.
