Retire with Clarity, Confidence, and a Plan that Puts You First
Who We Are
Eric Johns, CFP®, MBA, EA and Rachael Johns, J.D. help New Orleans retirement savers aged 50+:
Reduce taxes in retirement
Optimize investment portfolio
Generate tax-efficient income
We are proud to serve as a fee-only fiduciary.
Led by Eric Johns, CFP® and EA with over 15 years of experience in financial and tax planning, we serve as a trusted fee-only fiduciary. This means we are compensated solely by the fees you pay for our advice and services. We do not accept commissions or incentives from third parties, nor do we sell financial products. Our fee-only structure eliminates conflicts of interest and ensures that every recommendation we make is based entirely on what’s best for you and your financial goals.
You’re age 50+
You have $1 Million (or more) in retirement savings
But you have questions
How can I reduce my taxes in retirement?
How do I know if I have enough for retirement?
How much can I spend in retirement?
Navigating the complexities of wealth management can be overwhelming. That’s why we’re here—to provide you with clear strategies tailored to your unique situation.
Personalized Financial Planning vs. Big Box Solutions
Equilibrium Financial Planning goes beyond standard offerings. We provide in-depth, unbiased guidance across all aspects of your financial life, from retirement and tax planning to insurance and cash flow management, services often limited or absent at the large firms.
|
Big Box Finance Shops |
|---|---|
| INVESTMENT PLANNING | |
| ✓ Personalized, academic-based strategies | △ Standardized advice, advisor-dependent |
| CFP® AVAILABILITY | |
| ✓ Eric is a CERTIFIED FINANCIAL PLANNER™ (CFP®) | △ Advisor-specific, inconsistent |
| RETIREMENT PLANNING | |
| ✓ Comprehensive, monthly reviews | △ Variable, limited services |
| EDUCATION PLANNING | |
| ✓Expert 529 & student loan guidance | △ Variable, limited services |
| ADVISOR CONSISTENCY | |
| ✓Direct, ongoing relationship with Eric | ✗ Frequent changes, firm-dependent |
| COMPREHENSIVE TAX PLANNING | |
| ✓Tax education, analysis, Roth conversions, withdrawals | △ Limited or none |
| SPECIFIC TAX ADVICE | |
| ✓IRS Enrolled Agent (EA) provides direct tax counsel | ✗ Prohibited by firm compliance |
| INSURANCE PLANNING | |
| ✓Available for all types of coverage | ✗ Not offered |
| CASH FLOW PLANNING | |
| ✓Monthly analysis, recommendations, transfers | ✗ Not offered |
|
Big Box Finance Shops | |
|---|---|---|
| INVESTMENT PLANNING | ✓ Personalized, academic-based strategies | △ Standardized advice, advisor-dependent |
| CFP® AVAILABILITY | ✓ Eric is a CERTIFIED FINANCIAL PLANNER™ (CFP®) | △ Advisor-specific, inconsistent |
| RETIREMENT PLANNING | ✓ Comprehensive, monthly reviews | △ Variable, limited services |
| EDUCATION PLANNING | ✓Expert 529 & student loan guidance | △ Variable, limited services |
| ADVISOR CONSISTENCY | ✓Direct, ongoing relationship with Eric | ✗ Frequent changes, firm-dependent |
| COMPREHENSIVE TAX PLANNING | ✓Tax education, analysis, Roth conversions, withdrawals | △ Limited or none |
| SPECIFIC TAX ADVICE | ✓IRS Enrolled Agent (EA) provides direct tax counsel | ✗ Prohibited by firm compliance |
| INSURANCE PLANNING | ✓Available for all types of coverage | ✗ Not offered |
| CASH FLOW PLANNING | ✓Monthly analysis, recommendations, transfers | ✗ Not offered |
Where We Meet Clients
We primarily serve individuals planning for retirement in the New Orleans area who desire in-person meetings within the comfort of their own home.
We offer Google Meets for clients located outside of Louisiana or who prefer that platform.
Why Clients Choose Us
As Seen In
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