Question 1

Do you work with clients outside Idaho?

Accepted Answer

Yes. John Koyle is based in Idaho and currently holds active state registrations in Arizona, California, Colorado, Idaho, Montana, Nevada, Oregon, Texas, Utah, and Washington. Registration in additional states is available when a prospective client's situation warrants it. Meetings happen by phone or video, with occasional in-person visits. The practice operates in the geographic triangle formed by Jackson Hole, Yellowstone, and Salt Lake City.

Question 2

Can I work with John Koyle regardless of my current asset level?

Accepted Answer

Yes. My team works with clients starting at $500,000 in investable assets. As a client's investable assets scale up, my direct involvement increases. Clients earlier in the trajectory are served through a coordinated team approach. The right level of engagement for each client is decided in conversation, not by a published threshold.

Question 3

Why don't you publish fee percentages on the website?

Accepted Answer

Because a fee without context is misleading. A visitor who sees a number compares it to a discount broker or robo-advisor and concludes the firm is expensive, but my practice isn't selling the same thing. The service includes comprehensive retirement planning, tax strategy, ongoing judgment, and coordination with each client's CPA and estate attorney. John Koyle will walk prospects through the exact fee and what it covers on the first call, at no cost.

Question 4

Will John Koyle coordinate with my existing CPA and estate attorney?

Accepted Answer

Yes, and John Koyle prefers it that way. The best planning outcomes come from a coordinated team: a fiduciary financial advisor working alongside a good CPA and a good estate attorney. Each specialist does what they're trained to do. If a client already has professionals in place, I work with them directly. If not, I will make introductions to trusted professionals in his referral network.

Question 5

Where are my investment accounts held?

Accepted Answer

Client accounts are held at Charles Schwab, John Koyle's primary custodian for client assets. Schwab is an independent, publicly traded custodian, not a firm John is compensated by. All accounts are registered in the client's own name. John has limited trading authority to manage and rebalance the portfolio under the signed advisory agreement, but he never takes custody of client funds. Clients can log in directly to Schwab any time to see balances, activity, and positions.

Question 6

Is John Koyle a fiduciary financial advisor?

Accepted Answer

Yes. John Koyle is a fiduciary financial advisor full-time, across every client relationship. As an Investment Advisor Representative of Osaic Advisory Services, LLC, a Registered Investment Adviser (RIA), he is legally obligated to act in each client's best interest at every moment of the advisory relationship, not just on certain accounts or during certain conversations. John does not take commissions on investment products because that arrangement compromises the fiduciary standard. When a client needs life insurance, John will recommend the right product first and disclose the compensation method, which is sometimes a commission on a term policy because that's often the cheapest coverage structure.

Question 7

How does John Koyle invest client money?

Accepted Answer

John Koyle uses a strategic allocation approach, aligned to each client's specific retirement or wealth plan, with tactical positioning driven by the Four-Layer Investment Process. The four layers are economic conditions, market internals, valuations, and sentiment, each scored weekly and combined into a composite that guides portfolio posture. I use a full toolkit: individual stocks, individual bonds, mutual funds, and exchange-traded funds (ETFs). The specific mix depends on the client's plan, tax situation, and risk profile. No day trading. No leverage on client accounts.

Question 8

How often will I meet with my financial advisor?

Accepted Answer

I meet with clients at least quarterly, with more frequent conversations when life or markets require it. Every November, I run an annual tax strategy review specifically for Roth conversions, capital gains harvesting, and year-end planning. Beneficiary reviews happen after major life events. Clients can reach John by email or phone between scheduled meetings anytime.

Question 9

What happens if John Koyle retires or is unable to continue serving clients?

Accepted Answer

Client relationships are supported by a coordinated team approach, with documentation and planning history maintained so that another qualified professional can step in with full context if needed. Advisory accounts are held through Osaic Advisory Services, LLC, which provides firm-level continuity regardless of who handles day-to-day work.

Question 10

How can I check John Koyle's regulatory record?

Accepted Answer

John Koyle's full regulatory and complaint history is available on FINRA BrokerCheck, a free public database maintained by the Financial Industry Regulatory Authority. Every financial professional in the United States has a BrokerCheck record. John recommends that prospects check his record at brokercheck.finra.org before a first call, and also check the record of any other advisor under consideration.

Question 11

How long do your clients typically stay?

Accepted Answer

My clients typically stay for decades, not years. I have client relationships that are 10, 20, and 25 years long, some of them stretching back across most of his 25-year career. That kind of tenure isn't accidental. It comes from doing the work carefully, being honest about both successes and setbacks, and never selling a client something they don't need.

Question 12

What services does John Koyle offer?

Accepted Answer

Osaic Advisory Services, LLC is the Registered Investment Adviser through which I provide fiduciary financial planning. I'm based in Idaho. Services I offer include retirement income planning, tax strategy, Roth conversion analysis, Social Security optimization, investment management, estate coordination, beneficiary reviews, and charitable planning. John Koyle works primarily with pre-retirees and retirees, high earners in peak years, inheritors, and individuals rebuilding their financial life after divorce or the death of a spouse.

Question 13

Do you help with Roth conversions and retirement income planning?

Accepted Answer

Yes. Roth conversion strategy and retirement income planning are core services of my practice. I run multi-year Roth conversion models for pre-retirees and retirees, timed to the lower-bracket years between retirement and the start of required minimum distributions. Retirement income planning covers withdrawal sequencing, Social Security timing, healthcare bridging before Medicare, and tax-efficient distribution strategy across brokerage, traditional, and Roth accounts.

Question 14

Can John Koyle help me manage an inheritance?

Accepted Answer

Yes. Managing an inheritance is one of the core planning situations I handle. For inheritors, I start with education rather than deployment. The first months focus on full inventory of inherited assets, understanding step-up basis, navigating inherited IRA distribution rules under the SECURE Act, and coordinating with the estate attorney. Capital deployment comes later, once the client understands what they actually own.

Question 15

Do you help with financial planning after a divorce or the death of a spouse?

Accepted Answer

Yes. My practice has a dedicated approach for clients navigating divorce or widowhood, grouped on the site as Solo Again. John Koyle works with these clients at a deliberately slower pace during the first six months. Work includes inventorying accounts, updating beneficiary designations, coordinating with estate or divorce counsel, handling the single-filer tax bracket compression that catches most people off guard, and rebuilding the financial plan for one life instead of two.

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