Johnny Borrelli

Investment Adviser Representative, Realta Investment Advisors, Inc.

That's the part almost no one plans for, and it's the part Johnny Borrelli has built his work around.

Through The Borrelli Report, Johnny focuses on one question most retirees never get a straight answer to: how do all the moving pieces of retirement — Roth conversions, required withdrawals, Medicare premiums, Social Security taxation, the years before and after each begins — actually fit together, and what does getting the order right (or wrong) cost over a lifetime? He looks past the simple “convert now, pay later” advice to the full picture: how a conversion this year ripples into your Medicare premiums two years from now, how it interacts with your Social Security and your bracket, and how the quiet window between retirement and required withdrawals can be one of the most valuable — and most overlooked — opportunities of your financial life.

What makes his perspective unusual is range. Over nearly a decade in financial services, Johnny has worked across wealth management, securities, insurance, estate planning, banking, and real estate — including 1031 exchange planning for clients repositioning property. Most advisors see one corner of a client's picture. Johnny has spent his career seeing how the corners connect, which is exactly what coordinated retirement tax planning requires.

A deeper bench: Matthew Chancey, CFP®

Johnny works alongside Matthew Chancey, CFP® — a Forbes Books author (Tax Alpha Solutions: Effective Tax Management Strategies for High-Net-Worth Investors, 2024) and a nationally recognized voice on tax-efficient planning.

What that collaboration means in practice: when a situation is unusually complex — a large tax-deferred balance, a business sale, a concentrated position, a real-estate transition — Johnny works the problem alongside Matt's seasoned perspective before any recommendation takes shape. Clients get the clarity of one advisor, with the benefit of a second, experienced set of eyes on the hardest questions.

Tax Alpha Solutions

Effective Tax Management Strategies for High-Net-Worth Investors

Matthew Chancey, CFP® · Forbes Books, 2024

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But the thing clients tend to remember isn't a credential — it's that he'll tell them the truth. Sometimes that means a Roth conversion is a real opportunity worth acting on. Sometimes it means it isn't, and he'll say so. He treats planning as an ongoing relationship rather than a one-time event, works with a small number of clients at a time, and believes the right guidance — done properly — is one of the most valuable decisions a retiree can make. If you've ever had the feeling that your investments are handled but no one is actually coordinating the tax side, that feeling is usually right. That's exactly the work Johnny focuses on — closing that gap is an important part of what he does.

Johnny graduated from California State University, Northridge in 2008 with a B.S. in Environmental Planning. A dual Italian and U.S. citizen, he loves traveling 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.

Read the free guide: Roth conversions, RMDs, the Medicare IRMAA cliff, and the SECURE Act 10-year rule.