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Managing Director
Johnny Borrelli
Registered Representative · Investment Adviser Representative
Founder, The Borrelli Report
Johnny Borrelli is a retirement retirement planning specialist and the founder of The Borrelli Report, an educational publication covering Roth conversion strategy, required minimum distributions (RMDs), IRMAA Medicare surcharges, and Social Security taxation. He also works extensively in 1031 exchange planning, serving clients across Texas, California, and Florida.
His work starts from an uncomfortable idea: building the money and keeping it are two entirely different skills — and almost nobody plans for the second one.
Most people arrive at retirement having done everything right. Saved diligently. Invested steadily. Trusted the professionals around them. Then they discover the hard part was never building the account. It's taking money out of it without handing an avoidable share to taxes.
That’s the gap Johnny looks to close. Retirement taxes don't behave the way people expect. A single IRA withdrawal can get taxed three separate ways at once — as ordinary income, by pushing more Social Security into the taxable column, and by triggering an IRMAA surcharge that raises Medicare premiums two years later. And the quiet stretch between the last paycheck and the first required minimum distribution is often the cheapest Roth conversion window of a person's life — and the most commonly wasted.
Which leads to a second idea, and this one is harder to swallow: he isn't trying to get anyone to yes.
The conventional approach starts with a recommendation and works backward to justify it. Johnny starts with questions and lets the numbers decide. Sometimes a Roth conversion is a real opportunity worth acting on. Sometimes it isn't — and he'd rather tell someone no than watch them say yes for the wrong reason. In a business built on getting to agreement, being willing to hear "no" is the whole trust proposition. It's also, not coincidentally, how the good decisions get found.
Several hundred clients have brought him the moments where that matters: selling the building they spent thirty years paying off, leaving the career that funded everything, staring at an account they never made a plan to unwind. Almost none of it was transactional. These were inflection points — the handful of decisions in a financial life that can't be taken back, made on a deadline, usually by people who had done everything right and were only now discovering that nobody had planned for this part.
His 1031 exchange planning work lives in the same territory. The stakes arrive on a clock. The choices are permanent. And a property sale never happens in a vacuum — it lands in the same tax year as everything else, feeds the same IRMAA calculation, reshapes the same retirement income picture. Most advisors see one corner of that. Johnny works both, which is exactly where the expensive mistakes hide.
He treats planning as a continuous relationship rather than a string of transactions — anticipating what's coming, being honest about what poor planning costs, and holding one conviction that runs against the grain of his industry: the right professionals, paid fairly and allowed to do their jobs properly, are usually the cheapest part of any major financial decision.
Over nearly a decade in financial services, Johnny has worked across wealth management, securities, insurance, estate planning, banking, and real estate. The range is the point. Coordinated retirement tax planning requires someone who has seen how the corners connect.
Johnny graduated from California State University, Northridge in 2008 with a B.S. in Environmental Planning. A dual Italian and U.S. citizen, he travels often with his wife and their two children, both across the U.S. and internationally — family trips to the beach or to Disneyland are a popular choice — and he has a passion for collectible sports cars.
