Important disclosures.

Regulatory, credential, and educational disclosures for John Koyle and the retirement calculator at plan.johnkoyle.com.

About John Koyle

Credentials and licenses

John Koyle is a Registered Representative of Osaic Wealth, Inc. and an Investment Advisor Representative of Osaic Advisory Services, LLC. John holds FINRA Series 7 and Series 66 registrations, a life insurance license, and the Accredited Investment Fiduciary (AIF®) designation. John is registered to offer securities and investment advisory services in the states of Arizona, California, Colorado, Idaho, Montana, Nevada, Oregon, Texas, Utah, and Washington. No offers may be made or accepted from any resident outside these specific states.

Firm relationships

Securities and advisory services

Securities offered through Osaic Wealth, Inc., Member FINRA/SIPC. Investment Advisory Services offered through Osaic Advisory Services, LLC. Osaic Wealth and Osaic Advisory are separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth and Osaic Advisory. Red Cedar Wealth Advisors is a marketing name used by John Koyle in connection with his practice.

Form CRS: Osaic Wealth Form CRS · Osaic Advisory Form CRS

Background check

FINRA BrokerCheck

Check the background of this investment professional on FINRA BrokerCheck. BrokerCheck is a free public tool that provides licensing history, registration status, and any reported disclosures for registered investment professionals.

Calculator methodology

About the retirement calculator

The retirement calculator at plan.johnkoyle.com is an educational tool. All outputs, including projected portfolio balances, Monte Carlo success rates, tax impact estimates, Social Security optimization suggestions, and action plans, are hypothetical illustrations based on the inputs provided by the user and on model assumptions. They do not represent actual performance of any portfolio, security, or investment strategy. Actual results will vary and may differ materially from these projections.

The calculator is not personalized investment, tax, or legal advice. No content produced by the calculator should be construed as a recommendation. Before acting on any information in the calculator or in any plan the calculator generates, consult a qualified professional regarding your specific situation.

Investment risk

Risk of loss

Investing involves risk, including the possible loss of principal. No strategy can guarantee a profit or protect against loss in a declining market. Asset allocation and diversification do not eliminate risk. Monte Carlo simulations do not account for every possible market condition, and a plan that tests favorably under simulation can still fail under real-world conditions. Past performance is not indicative of future results.

Data handling

Privacy

Inputs entered into the calculator are processed in the user's browser. Red Cedar Wealth Advisors does not sell, rent, or share user information with third parties for marketing purposes. Two places on the site collect contact information: the printable plan PDF download, and the guide signup ("Don't Retire Until You've Read This"). The information is processed through standard service providers solely to deliver the requested resource and follow up with occasional market commentary or planning insights from John Koyle. Users can unsubscribe at any time from any email received.

Content use

No guarantees

No content on this site, in the calculator, or in any materials produced by the calculator should be construed as a guarantee of any specific investment outcome. Market returns, tax law, and personal circumstances change over time. A plan that tests favorably today may require adjustment in the future.

Last updated: April 2026