Retirement Income Advisor, Luminous Retirement and Insurance Strategies
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.
An NSSA® Certified Advisor provides the knowledge and expertise needed to maximize your Social Security benefits and help you achieve a secure retirement.

Navigating Social Security rules can be complex, and even small mistakes can cost you thousands of dollars in lost benefits. An NSSA® Certified Advisor ensures you make informed decisions and avoid costly errors.

An NSSA® Advisor integrates your Social Security strategy with your overall retirement plan, ensuring your assets work together to meet your financial goals and a clearer path to a secure future.

The Social Security office provides information but doesn’t offer personalized advice or strategies. An NSSA® Certified Advisor delivers tailored solutions based on your unique circumstances and goals.