Bryce Johnson, Financial Advisor at Equitable Advisors

09/18/2025

I've been getting questions about the Big Beautiful Bill's affect on 2025 taxes. Would anyone in the Watertown/Syracuse area be interested in a seminar in the next few months outlining what to look out for and some of the changes?

04/23/2024

Something I’ve been coming across recently with new and prospective clients is that some have been making After-Tax Contributions (sometimes called After-Tax Non-Roth) to their 401(k) plans thinking they were making Roth Contributions. Both After-Tax and Roth contributions go into the plan after taxes are paid; however, they do not get distributed from the plan in the same way when you want to withdraw those dollars. One of the advantages to utilizing a Roth IRA/Roth 401(k) is the ability to have tax free earnings and income in retirement because you have already paid taxes on the contributions up front (with a few other holding period requirements). Where that differs from an After-Tax contribution, is those same earnings on an After-Tax contribution are still taxable to you upon withdrawal. So, what you contributed is not taxed again, but any potential investment gains that you withdraw would still be taxable.

Although they are not the same, After-Tax contributions can still be very powerful for certain individuals for numerous different reasons. If you have questions about this, don’t hesitate to reach out!

10/02/2023

NEW YORK STATE EMPLOYEES!!! One of the great benefits that you have upon retirement is your pension. This is not groundbreaking news! Did you know that you have 11 different pension options to choose from upon retiring? All of which have different implications on the annual income that you receive from that pension! In addition, did you know that you only get to make that choice of which option to pick ONE time? This is often an overlooked and very vital part of your retirement plan and retirement income for not only you but your spouse and your family, or whoever you designate as a beneficiary. It is never too early to start planning! Reach out to me and let’s discuss which option is best for you and how to make sure you are maximizing your retirement income!

08/29/2023

The Equitable Excellence®️ Scholarship program awards students from across the country who do great things through courage, strength, and wisdom in pursuing their ambitions. Equitable is excited to announce this year’s 2023 Equitable Excellence Scholarship cohort. This year, 55% of our recipients are first generation college students. Learn more by visiting Equitable Excellence.

We are pleased to announce our 2023 Equitable Excellence ® Scholarship recipients.  Each year, Equitable Foundation reaffirms our focus to recognize students who do great things through courage, strength and wisdom in pursuing their ambitions.

06/26/2023

Dining out rather than cooking at home may be taking a bigger bite out of your wallet than you realize. This article compares the costs of regularly eating out versus once in a while for truly meaningful occasions -- and how your finances may benefit from “food frugality.”

A few weeks ago, I found myself in a situation where I was really hungry but there weren't many food options around. I decided to keep my costs as low as possible, so I went into the only restaurant I could find, a nice little diner. I want to be clear during this article that I am not picking on th...

06/22/2023

You’ve worked hard to build a life you love. Smart choices and good guidance can help you keep enjoying the lifestyle you’ve earned now, and through every phase of your retirement. This article explains some key considerations for different stages. Want to discuss more? Let’s talk.

If you are like many people, when you first started saving for retirement you probably had a vague idea of what life might be like when your career days are over. Perhaps you imagined finally getting to take that big international vacation, or envisioned time to work on your golf or tennis game, or....

06/14/2023

Teaching your children good financial habits is one way to set them up for future success. It can be a step towards building generational wealth. Read this article for 5 tips on how to get started. https://eqtble.co/3irLFOY

06/12/2023

Preparing for the future is more than just saving for retirement. It’s creating a holistic life plan designed to help you meet anticipated needs as well as long-term goals. Working with a financial professional can help you chart a path to achieving the future most meaningful to you. https://eqtble.co/37waNuS

06/08/2023

Starting a new lifestyle can be difficult. Learn how unhealthy habits and new ways to approach small lifestyle changes can lead to positive transformations.

Credit: Pixabay/CC0 Public DomainWhile many modern-day ailments can be linked to unhealthy lifestyle choices, changing those choices can be a

06/08/2023

You've probably heard a lot about inflation lately--or just experienced sticker shock at the grocery store prices. Find out what you need to know about the Consumer Price Index and how it affects the economy.

The Consumer Price Index (CPI) measures inflation by comparing the average change in price over time for a basket of consumer goods and services. The CPI is an important economic indicator that not only illustrates the effectiveness of government economic policy but influences financial decision-mak...

03/06/2023

Retirement planning can be a daunting task, especially in an age of volatility. With an uncertain economic landscape and complex investment strategies, it is more important than ever to have a comprehensive retirement plan in place. Follow me to learn more about planning for retirement.

03/03/2023

Click below to check out resources to help you understand and navigate today's market and economic landscape.

Our take on the Fed’s policy actions