Utah Retirement Planning
Luminous Retirement and Insurance Strategies
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
Luminous Retirement and Insurance Strategies is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.
Request Your
Receive Our
Have a Question?
Here For You
Meet The Advisor
Johanna Stock
Founder
Johanna Stock is a serial entrepreneur, licensed retirement income advisor, insurance strategist, and Certified National Social Security Advisor who has dedicated her career to empowering individuals and organizations with financial education and strategies for long-term success. With over 15 years of entrepreneurial experience—including business ownership, franchise operations, consulting, and investment —Johanna brings a unique perspective to retirement planning, blending her business acumen with a deep passion for helping others achieve peace of mind and financial independence.
She is the founder and owner of an independent, nationwide financial firm, where she works with clients across multiple states. Her expertise lies in retirement income planning, Social Security optimization, and insurance-based strategies, always with a focus on clarity, education, and empowerment.
Johanna’s influence extends beyond finance. A highly sought-after public speaker, she was one of only 36 entrepreneurs worldwide invited to contribute her story to the international anthology Courageous World Catalysts, which became a #1 International Amazon Bestseller in the U.S., Canada, Australia, and several European countries.
A dedicated mentor and leader, Johanna balances her professional life with her role as a mother of four. She values travel, volunteering, martial arts, strength training, and time with family and friends—always striving to model the importance of balance between home and career.
Today, Johanna continues to inspire audiences nationwide through her speaking, workshops, and one-on-one advisory work, teaching the vital connection between financial knowledge, self-development, and lasting happiness.
RR
Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in November 2025–January 2026
- There are no events scheduled during these dates.
Our Downloads
Stress Free Retirement
This book has done for the annuity marketplace what Tax-Free Retirement did for life insurance. The response has been overwhelming. Nearly every person who reads this book wants to schedule a follow up with the person who gave it to them to discuss how this product can enhance their retirement. Don’t miss out! This is the book you have been waiting for. A book that could revolutionize your retirement years.
Our Blog
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
