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CaitlinJohn Caitlin John, LLC is a Private Wealth Management Firm based in Brighton, Michigan. As a Registered In

🏫 The college bill is the biggest expense most families face before retirement. Most plan for it later than everything s...
10/14/2026

🏫 The college bill is the biggest expense most families face before retirement. Most plan for it later than everything smaller.

Readiness is more than a savings balance: it is the funding order, the aid strategy, and the number your student has actually heard.

Seven questions score where your family really stands.

Take the quiz: https://www.caitlinjohn.com/e360/quiz/is-your-family-ready-for-the-college-bill/

For informational purposes only. Investment Advisory Services offered through SimplyRIA Advisor Network.

Divorced after a long marriage? Social Security remembers.If the marriage lasted at least 10 years and you have not rema...
10/13/2026

Divorced after a long marriage? Social Security remembers.

If the marriage lasted at least 10 years and you have not remarried, you may be able to claim a benefit based on your ex-spouse's work record.

πŸ’‘ Three things surprise almost everyone:

βœ… It does not reduce your ex's benefit by a dime
βœ… Your ex is never notified and their permission is not needed
βœ… It can pay more than your own record, especially if you spent years out of the workforce

Many divorced spouses never check, and there is no prize for not asking.

If a 10-year marriage is in your past, this belongs on your claiming checklist.

Learn more at https://www.caitlinjohn.com

For informational purposes only. Investment Advisory Services offered through SimplyRIA Advisor Network.

πŸ’› Two neighbors give $10,000 to the same charity. One of them pays thousands less for the privilege.The difference is no...
10/12/2026

πŸ’› Two neighbors give $10,000 to the same charity. One of them pays thousands less for the privilege.

The difference is not generosity. It is technique: what you give, when you give it, and which account it comes from.

Our new guide covers appreciated assets, bunching, donor-advised funds, and the IRA move built for retirees.

Download the guide: https://www.caitlinjohn.com/e360/guides/how-to-give-more-without-spending-more/

For informational purposes only. Investment Advisory Services offered through SimplyRIA Advisor Network.

πŸ“‹ Your life insurance policy was probably purchased during a major life event, then filed away. But your finances have c...
10/09/2026

πŸ“‹ Your life insurance policy was probably purchased during a major life event, then filed away. But your finances have changed since then.

This post walks through how to integrate life insurance with retirement projections, debt timelines, and estate planning so every piece of your financial plan works together.

πŸ” Inside: a practical framework for reviewing coverage as part of your annual financial check-up.

Read more: https://www.caitlinjohn.com/e360/blog/building-life-insurance-into-a-financial-plan-that-actually-works-together/

For informational purposes only. Investment Advisory Services offered through SimplyRIA Advisor Network.

The "safe" part of your portfolio confused everyone at once. Here is the missing sentence.Bond prices and interest rates...
10/08/2026

The "safe" part of your portfolio confused everyone at once. Here is the missing sentence.

Bond prices and interest rates sit on opposite ends of a seesaw. When new bonds start paying higher rates, the older bonds paying less become worth less if sold today. When rates fall, old bonds shine.

πŸ“‰ That is the whole mechanism behind bond funds dropping when rates climb.

πŸ’‘ Two things follow:

βœ… A bond fund's decline is about price today, not the income the bonds keep paying
βœ… Higher rates hurt on the way up but mean better yields on everything bought afterward

Bonds still do their job. They just do it on a seesaw, and knowing that keeps the safe bucket from scaring you at exactly the wrong moment.

Learn more at https://www.caitlinjohn.com

For informational purposes only. Investment Advisory Services offered through SimplyRIA Advisor Network.

πŸŽ“ By senior year, the numbers that decide your financial aid are already history.Aid formulas look back at earlier years...
10/07/2026

πŸŽ“ By senior year, the numbers that decide your financial aid are already history.

Aid formulas look back at earlier years, treat a student's savings harsher than a parent's, and hide loans inside impressive award letters.

Six questions test whether you know the rules while they can still help you.

Take the quiz: https://www.caitlinjohn.com/e360/quiz/test-what-you-know-about-financial-aid/

For informational purposes only. Investment Advisory Services offered through SimplyRIA Advisor Network.

The first week of retirement feels like a long weekend. So does the second.By week four, a lot of new retirees start not...
10/06/2026

The first week of retirement feels like a long weekend. So does the second.

By week four, a lot of new retirees start noticing that Tuesday and Saturday feel exactly the same. πŸ—“οΈ

The fix is not more scheduling. It is a few well-placed anchors across the week that give it shape without cramming it.

Read more: https://www.caitlinjohn.com/e360/blog/redesigning-your-week-when-every-day-is-saturday/

For informational purposes only. Investment Advisory Services offered through SimplyRIA Advisor Network.

πŸ“ˆ Two engineers, same salary, same equity grants. A decade later, one could retire early and the other is afraid to open...
10/05/2026

πŸ“ˆ Two engineers, same salary, same equity grants. A decade later, one could retire early and the other is afraid to open the spreadsheet.

The difference was never the grants. It was the system.

Our new guide is the missing manual for RSUs, options, and ESPPs: the tax moments, the concentration trap, and the discipline that builds actual wealth.

Download the guide: https://www.caitlinjohn.com/e360/guides/turning-equity-compensation-into-actual-wealth/

For informational purposes only. Investment Advisory Services offered through SimplyRIA Advisor Network.

Retiring at 62 leaves a three-year hole where Medicare is not yet an option.That gap is one of the most common reasons p...
10/02/2026

Retiring at 62 leaves a three-year hole where Medicare is not yet an option.

That gap is one of the most common reasons people who could afford to retire keep working anyway. It deserves a plan, not a shrug.

πŸ₯ The usual bridges:

βœ… Employer retiree coverage, increasingly rare but worth asking about
βœ… COBRA, which continues your work plan for a limited time at full cost
βœ… A spouse's employer plan
βœ… Marketplace coverage, where the premium depends heavily on your income

πŸ’‘ That last one is the planning opportunity. Which accounts you draw from before 65 can change what your coverage costs by thousands a year.

The gap is real, but it is a math problem, not a wall.

Learn more at https://www.caitlinjohn.com

For informational purposes only. Investment Advisory Services offered through SimplyRIA Advisor Network.

β˜• The commute you complained about for 30 years was doing more for you than you realized.It was your buffer. Your transi...
10/01/2026

β˜• The commute you complained about for 30 years was doing more for you than you realized.

It was your buffer. Your transition. The invisible line between one version of yourself and the next.

When it disappears in retirement, the morning gets weirdly loose β€” and most people try to fix it the wrong way.

Here's what actually works, and why it has almost nothing to do with productivity.

Read more: https://www.caitlinjohn.com/e360/blog/the-morning-ritual-that-replaced-my-commute/

For informational purposes only. Investment Advisory Services offered through SimplyRIA Advisor Network.

Address

1024 E. Grand River Avenue
Brighton, MI
48116

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+18102259133

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