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Johanna Stock, NSSA® Advisor · Layton, UT

A professional headshot of Johanna Stock, Retirement Income Advisor of Luminous Retirement and Insurance Strategies in Layton, UT

Johanna Stock

Retirement Income Advisor, Luminous Retirement and Insurance Strategies

1854 West 1150 North
Layton, UT 84041

801.792.9275

www.luminousfreedom.com

NSSA® Certified #3268

Professional Profile

Meet Johanna Stock, a highly respected Retirement Income Advisor at Luminous Retirement and Insurance Strategies, based in Utah. With over 15 years as a serial entrepreneur and expert public speaker, Johanna combines her extensive business ownership experience with a deep passion for empowering individuals to master their financial futures. Her personal journey in the financial industry has driven her commitment to education, helping clients nationwide take control of their retirement and financial well-being.

Johanna is not only a licensed expert across multiple states but also an influential mentor, leading with integrity and dedication. Eight years ago, she shared her inspirational story in the internationally bestselling anthology, “Courageous World Catalysts”, further solidifying her reputation as a thought leader. As the founder and owner of an independent, nationwide financial firm, she is devoted to teaching the principles of financial independence and self-development.

Johanna Stock has earned the National Social Security Advisor program, demonstrating advanced expertise in Social Security claiming strategies.

A mother of four, Johanna understands the importance of balancing personal and professional life. When she's not working, she enjoys traveling, volunteering, and practicing martial arts. Let Johanna Stock guide you on your journey to financial security and happiness—connect with a trusted advisor who genuinely cares about your success.

Disclosure

Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Advisor), will be profitable or equal any historical performance level(s). Guarantees provided by insurance products are backed by the claims paying ability of the issuing carrier. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are NOT FDIC insured.

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Why ARPI-Certified

How an ARPI-Certified Advisor Can Help You

ARPI-certified advisors bring specialized knowledge and the tools to deliver confident, accurate guidance on the decisions that matter most.

Avoid Costly Claiming Mistakes

Social Security rules are complex — small missteps can cost thousands in lost benefits. An ARPI-certified advisor ensures you make informed decisions and avoid costly errors.

Holistic Retirement Planning

Your Social Security strategy doesn’t exist in isolation. An ARPI advisor integrates it with your full retirement plan so your assets work together toward a secure future.

Personalized Guidance You Can’t Get Elsewhere

The Social Security Administration provides information — not strategy. An ARPI-certified advisor delivers tailored solutions based on your unique circumstances and goals.