John Daubert, in Billings MT

John Daubert

Financial Advisor

Part of the Trailhead Wealth Group practice

19 36th Street West, ste 2
Billings, MT 59102

Tax Efficient Planning

Retirement Planning

About John Daubert

I am a lifelong resident of MT. I was born and raised in Billings and graduated from Montana State University. After earning my degree in math, God led me to the start of my financial career with a local bank as a loan officer before joining the Thrivent team. As a financial advisor I am so thankful that I get to work in an industry that allows me to use my experience and knowledge to serve clients in such a meaningful way. I love helping people maneuver and understand the often, complex financial world and ensure that they are being intentional and wise with the gifts they have been given.

About Me

By far my favorite title is that of husband and dad. I am happily married to my beautiful wife Holly. We are blessed with a little boy (Elijah) who keeps us on our toes but at the same time brings us so much joy. He often has too much energy to keep contained in the house so we love getting out for Bobcat football games, hiking with our dog Maggie, skiing, fishing or any of the other activities the Montana outdoors have to offer.

My qualifications

Bachelors of Mathematics, Montana State University
Series 7 - General Securities Representative
Series 66 - Investment Adviser Representative
Securities Industry Essentials

My state licenses

Montana

Insights

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Are you wrestling with the decision of when to start your Social Security benefit? You can claim your Social Security benefit as early as age 62, but for many people retiring today, full retirement age is 67. If you choose to delay beyond full retirement age, your benefit may increase by approximately 8% per year until age 70. So should you file as soon as you're eligible, or wait to maximize your monthly benefit? Before letting Social Security put you in a headlock, it's important to remember that claiming benefits shouldn't be a stand-alone decision. We often tell clients to think of Social Security as just one leg of their retirement stool. While maximizing your benefit may sound appealing, the best claiming strategy depends on how Social Security fits into your overall retirement income plan. Your other income sources, tax considerations, health and longevity expectations, and the implications for a spouse should all be part of the conversation. Looking at the bigger picture is often more important than focusing solely on maximizing your Social Security benefit. Before making a claiming decision, consider speaking with a financial advisor who can help you evaluate your complete financial picture. See thrivent.com/social for important disclosure information

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When your children inherit your IRA, they may inherit a tax bill too. For many families, retirement accounts are among the largest assets they'll leave behind. Yet many people don't realize that traditional IRAs and pre-tax retirement accounts can create taxable income for beneficiaries. Under current rules, many non-spouse beneficiaries are required to fully distribute inherited retirement accounts within 10 years of the original owner's death. Depending on their circumstances, that can result in significant taxable income during what may be their peak earning years. For example, if an individual inherits a traditional IRA worth $1,000,000 and withdraws the funds evenly over 10 years, that's roughly $100,000 of additional taxable income each year. Depending on their financial situation, those distributions could push them into higher tax brackets and result in a larger share of the inheritance being paid in taxes. Many people focus on the amount they'll leave behind. Just as important is understanding how much of those assets may ultimately be available to their heirs after taxes. Taxes can never be eliminated entirely, but thoughtful planning today may help reduce the tax burden beneficiaries face in the future. The question isn't just how much you'll leave behind. It's how much your heirs may get to keep. See thrivent.com/social for important disclosure information

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Have you ever wondered whether paying taxes now could potentially help reduce taxes later? It's a conversation worth having as part of a broader retirement income strategy. Tax planning can involve paying taxes when it may be most advantageous to do so, whether that's because you expect to be in a higher tax bracket later in life or because of other factors such as Required Minimum Distributions (RMDs), IRMAA surcharges, or changes to your income sources. Whether a Roth conversion makes sense is highly dependent on your individual situation. Factors that may come into play include your age, current and future income, living expenses, retirement goals, available assets, and how much tax you're willing to pay today in exchange for potential benefits in the future. If you're nearing retirement or have recently experienced a significant change in income, it may be a good time to sit down with a financial professional and discuss whether a Roth conversion strategy aligns with your overall financial plan. See thrivent.com/social for important disclosure information

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Office location

Billings Location

19 36th Street West, ste 2
Billings, MT 59102

Phone406-294-6400Hours

M – F: 9 a.m. – 5 p.m.

Licensing is available through your State Insurance Department’s website, which can be located through the National Association of Insurance Commissioners website.

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

Thrivent provides advice and guidance through its Financial Planning Framework that generally includes a review and analysis of a client’s financial situation. A client may choose to further their planning engagement with Thrivent through its Dedicated Planning Services (an investment advisory service) that results in written recommendations for a fee.

Designations
For additional information on professional designations and the requirements to earn them, visit https://www.thrivent.com/designations