Jan Johnson, CFP

Jan Johnson, CFP Helping Clients Make Smart Financial Decisions During Life's Transitions But fate was about to unfold in Jan’s life.

“Helping Clients Make Smart Financial Decisions During Life’s Transitions” is in Jan Johnson’s blood. Her dad started out by working as a stockbroker for Morgan Stanley Dean Witter in California back in 1986. He was one of the first Advisors to become a Certified Financial Planner™ (“CFP®”) professional. Simultaneously, Jan was working as a Registered Dietitian in her private practice, advising pa

tients on how to keep physically healthy, as well teaching students at the University level. After an emotional divorce, Jan found herself facing her own significant “Life Transition.” She sought the services of a CFP® professional, who helped sort out her investments and pointed her in the right direction to get all her questions answered. She had seen so many friends in similar situations get shortchanged, with some even having to file bankruptcy, and was determined not to do the same. Along the way, Jan discovered that she actually enjoyed the problem solving process she had just experienced firsthand. She found the process of setting goals, interviewing, analysis and evaluation skills were similar to what she was already practicing in her current career. At the urging of her dad, Jan entered the financial services business, and became a Certified Financial Planner™ professional herself in 2002, adding the technical skills necessary to help her clients achieve and maintain good financial health.

“Today, instead of Protein, Fats & Carbs, I help clients balance Stocks, Bonds & Mutual Funds, along with the softer, more human side of money,” says Jan. “I love mentoring clients in the art and science of financial planning and investing. My goal is to help you feel comfortable, confident and in control of your well being as well as your wealth, particularly during the potentially stressful times of life’s transitions.”

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research, Inc, a Registered Investment Adviser. Jan Johnson, CFP and Cambridge are affiliated. Content provided via links to third party sites should not be considered an endorsement of third party content. We make no representation as to the completeness or accuracy of information provided at these websites.

Inflation has been a major topic of conversation over the past several years. But another, more subtle force is affectin...
06/17/2026

Inflation has been a major topic of conversation over the past several years. But another, more subtle force is affecting household budgets: shrinkflation. Swipe through for a breakdown of how they differ and how each is felt in everyday life.

We hope this breakdown is helpful. If you have questions about your overall financial strategy, don’t hesitate to reach out. We can help you evaluate your current strategy and make adjustments where needed.

When the U.S. Mint halted new penny production in late 2025, many business owners and consumers are evaluating what this...
06/15/2026

When the U.S. Mint halted new penny production in late 2025, many business owners and consumers are evaluating what this change means for day-to-day transactions. As the supply of pennies gradually declines, the shift toward rounding cash payments to the nearest nickel is expected to become standard practice. Swipe to learn more.

As payment practices continue to evolve, staying informed matters. If you have questions about how this shift may affect your budgeting, tax reporting, or business operations, contact us for guidance.

Every June 14th, we celebrate the Stars and Stripes on Flag Day. While we’re all familiar with the United States’ flag, ...
06/14/2026

Every June 14th, we celebrate the Stars and Stripes on Flag Day. While we’re all familiar with the United States’ flag, we might not know all of the history behind this symbol.

To celebrate, we wanted to share a few fun facts about the history of the flag that might surprise you:

🔹 The current 50-star design was created by a 17-year-old. Robert G. Heft of Lancaster, Ohio, submitted the design as a high school project in 1958. It was chosen by President Eisenhower out of more than 3,000 submissions in 1960.

🔹 There have been 27 official versions of the flag. Twenty-five of those changes were solely to update the number of stars every time a new state joined the Union. The star additions were admitted on July 4th, and, together, they give us a rich visual history of the country's growth over time.

🔹 The colors for the flag have taken on their own meanings over the years. Charles Thomson, secretary of the Continental Congress in 1774, suggested that red represents hardiness and valor, white symbolizes purity and innocence, and blue stands for vigilance, perseverance, and justice.

🔹 Six American flags have been planted on the moon. Neil Armstrong and Edwin E. “Buzz” Aldrin were the first, but five additional Apollo missions have also left a flag on the lunar surface.

🔹 The current design is the longest-running version in history. No new states have been added since Hawaii joined the union in 1959, making this the most enduring flag design the country has ever had.

Wishing you a wonderful Flag Day filled with pride and appreciation for the history behind the flag we share.

Did you know that millions of Americans are considered credit invisible? This means they do not have enough credit histo...
06/11/2026

Did you know that millions of Americans are considered credit invisible? This means they do not have enough credit history to generate a credit score. Without an established credit profile, everyday financial goals, from financing a vehicle to securing housing, can become more complicated than expected. Swipe to learn more.

We hope you found this overview helpful. If you have questions about your broader financial plan, contact us. We are here to help you align today’s decisions with tomorrow’s goals.

06/02/2026

As June marks the midpoint of the year, it can be a natural time to reflect on the first half of the year and the goals you set.

Whether you’re continuing to move toward a current goal or setting a new one, the confidence to get started does not always come before the first step. Sometimes it grows with each one.

As we settle into this month, what is one dream or goal you are ready to pursue with a little more boldness in the second half of the year? Share it in the comments. We would love to hear what you are working toward.

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made...
05/25/2026

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closed on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

If you have student loans or other debt after graduation, you’re not alone. Debt is a reality for many college students ...
05/18/2026

If you have student loans or other debt after graduation, you’re not alone. Debt is a reality for many college students after they graduate. Regardless of whether you’re graduating with student loans or credit card debt, making a plan to manage and eventually eliminate your debt can feel overwhelming.

With that in mind, we wanted to share a simple roadmap for starting to address debt post-graduation:

A good way to start managing your debt is to get everything out in the open. List your loans, credit cards, and any other balances so you know what you’re dealing with. While you do this, be sure to pay attention to interest rates and make a plan for how you’ll handle payments each month. When you’re organized, it’s easier to keep debt from getting out of control.

If you have questions about your financial picture or want to talk about investment strategies that can support you as a recent graduate, don’t hesitate to reach out. We are here to help.

05/14/2026

As May brings more sunshine and renewed momentum, it is a great time to reflect on what is still possible.

There is no deadline on growth, and no expiration date on ambition. No matter where you are in your journey, you can begin again with clarity and purpose. And that fresh start does not have to be monumental to be meaningful. Often, the most impactful progress begins with one small, intentional step in a new direction.

As we move through this month, what is one goal or dream you are ready to revisit or take steps toward for the very first time? Feel free to share it in the comments. We would love to hear what you are working toward.

Our team wants to wish a very Happy Mother’s Day to all of the moms, grandmothers, and other maternal figures out there....
05/10/2026

Our team wants to wish a very Happy Mother’s Day to all of the moms, grandmothers, and other maternal figures out there.

From the late nights of the newborn stage to the late nights waiting up for teens, we owe moms a debt of gratitude — and sleep!

So whether you’re a mother yourself, you’re celebrating your mom, honoring your partner, or recognizing another maternal figure in your life, we hope this day is full of appreciation.

As your family tree grows, the importance of strong roots does too. Life insurance can do just that, providing financial...
05/04/2026

As your family tree grows, the importance of strong roots does too. Life insurance can do just that, providing financial stability and emotional peace of mind as you expand your family tree through marriage, children, and more.

Whether you’re exploring your first policy or additional layers of coverage, we are here to help. Give us a call today for a personalized quote or coverage review.

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