Johny G. Makhijani, CFP, AAMS, APMA

As a business owner, I understand that building a company requires taking risks, making sacrifices, and planning for the future.

Most business owners spend years focused on growing revenue, serving clients, and supporting employees. But I've found that some of the most important conversations happen when we ask:

"What happens if something unexpected occurs?"

I've worked with business owners navigating partner transitions, succession planning challenges, and situations involving the death of a spouse or key decision-maker.

These discussions aren't always easy, but they're often the ones that have the greatest impact on a family's future and a company's continuity.

Having a plan in place before you need it can make all the difference.

If you own a business that could benefit from planning contact me by clicking the link below.

Financial Advisor Johny Makhijani in Tustin, CA | Merit Wealth Management Johny Makhijani with Merit Wealth Management in Tustin, CA is here to help you with all of your financial planning needs.

Higher yields continue to create potential opportunities for bond investors, but navigating today's market requires careful decision-making. Let’s connect if you’d like to discuss.

To contact us, email [email protected].

4 bond market trends shaping the second half of 2026 Read our fixed income midyear outlook.

A strong retirement plan isn’t just about what you do — it’s about what you avoid.

Seemingly small missteps — around taxes, timing, or risk — can quietly impact long-term outcomes.

This article highlights 10 areas worth a closer look.

Together, we can identify what to adjust now — so your future stays on track.

If you would like to discuss a strategy that aligns with your goals, reach out to us at [email protected].

10 mistakes to avoid when saving for retirement Uncover strategies to avoid retirement planning pitfalls and help secure your future.

Twenty-five years ago, I joined Ameriprise Financial as a young man just out of college. At that time, I could never have imagined the journey that lay ahead or the incredible relationships that would be built along the way.

As I reflect on this milestone, my overwhelming feeling is one of gratitude. Thank you to the clients and families who have trusted me with one of the most important responsibilities in your lives: helping manage your financial future. I approached that responsibility with seriousness and dedication in my first year, and I carry that same sense of duty today.

Over the past 25 years, I have had the privilege of helping clients navigate life's most important moments. Together we've planned for retirements, managed taxes, protected families, pursued dreams, weathered market uncertainty, and built financial confidence. We have crafted plans not just for wealth, but for the goals, values, and aspirations that make each family's story unique.

One of the greatest gifts of this profession has been witnessing how lives evolve. I've seen 30-year-olds become 55-year-olds, 40-year-olds become 65-year-olds, and 60-year-olds become 85-year-olds. Through those experiences, I've gained a unique perspective on how priorities naturally change over time and how thoughtful planning can adapt to each new chapter of life. Some of the most rewarding moments come when the conversation shifts from, "Can I afford to retire?" to "How can I enjoy what I've worked so hard to build?" There is tremendous joy in telling a client who once worried about retirement that they can now help fund a grandchild's education, take the entire family on a dream vacation, assist with a down payment on a home, or simply enjoy life without worrying about running out of money. We've also worked diligently to protect what matters most, ensuring that families are prepared should the unexpected occur. My hope is that every client who has worked with me has experienced greater peace of mind and confidence because of our relationship.

Over these 25 years, I have been fortunate to grow from a solo practitioner into a partner at an established financial planning firm, helping mentor the next generation of advisors, serving families across generations, and contributing to a team that now manages more than $1.2 billion in assets. Being recognized as part of a Forbes Best-in-State Wealth Management Team has been an honor, but the true reward has always been the trust of my clients.

To every client, colleague, family member, and friend who has been part of this journey: I humbly thank you. Your confidence, loyalty, and friendship have made these 25 years more meaningful than I ever could have imagined. I look forward to continuing the journey together and helping many more families turn their goals into realities in the years ahead.

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https://www.ameripriseadvisors.com/johny.g.makhijani/

Today we celebrate the mothers, grandmothers, and maternal figures who give so much of themselves to help others grow and thrive. Wishing a heartfelt Happy Mother’s Day to all who nurture, guide, and inspire — today and every day. 💐

Don’t wait until your child is in high school to start thinking about college costs. The earlier you begin planning the more financing options you’ll have.

Contact us at [email protected] to start the conversation.

Financial planning for college: How to get started 5 considerations as you set your child’s education goal

If you’d like to better understand how the strength of the U.S. dollar affects your personal portfolio, let’s connect. Reach out to us at [email protected] for a personalized discussion.

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Ahead of the spring selling season, Ameriprise Financial Chief Economist Russell Price weighs in on what could be next for the housing market — and the signals that matter most right now. Have questions about what the housing market means for you? Email us at [email protected].

Is the housing market poised for a comeback? Read our 2026 housing outlook.

Learn more about why market turbulence may obscure longer-term positives
in this report from the Ameriprise Investment Research Group.

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