You deserve to live in the present & stop fearing your future.
As someone who has been professionally involved with retirement planning for more than 30 years, I understand how complicated it can be. Not only do I regularly sit across from my clients, dissecting their retirement concerns and must-haves, I've coached my own parents through their retirement income and estate plans, too. By utilizing my experience and knowledge in this area I believe truly helping people and giving the gift of financial confidence.
What I've learned over the years is that most folks, like my wife and I, want a plan that is simple and reliable. I help my clients play offense and defense to provide the potential for growth but avoid a major market decline from derailing their plan.
Plan with clarity and confidence.
Every person’s needs are different,
but most of our plans start with three simple steps:
Since everyone is different, we identify where you are in terms of assets, income needs, income sources and your unique situation.
As you prepare to shift from accumulating assets to figuring out how to best use them for retirement income, we’ll help you think through the most effective strategies to accomplish this in your unique circumstances.
Next, we determine the right strategies that will generate the income you need, while providing opportunities for growth and protection from things that could go wrong.
After choosing which investment income strategies are best, we then explore how to combine the investing so you'll have the right pieces in place to have peace and be comfortable. The primary risks of retirement will all be addressed. .
Then, we plan for all the moving pieces of retirement for the rest of your life.
There are many other aspects of retirement to consider--when is the best time to take Social Security? How do you plan for health care expenses? What about long term care and estate planning? And these are just a few! We help you put all the pieces in place, while protecting your family and maintaining the objectives you care most about.
He has been helping families, corporate executives, and small business owners create solutions for retirement for the last 30 years. John is passionate about retirement planning for his clients and diligently stays abreast of the ever-changing retirement planning climate. John was the president and founder of Penn Retirement Distribution Planning Inc. and, additionally, has taught continuing education classes for CPAs and lectured in the area of retirement distribution planning for the Pennsylvania Institute for CPAs.
John is an active member at Christ Church at Grove Farm of Sewickley, where he serves as a board member as well as on the executive committee of the board.
John's Registrations, Education, and Designations
Graduate of Westminster College, where he received his BA in business administration in 1986.
CERTIFIED FINANCIAL PLANNER™ certification from the College for Financial Planning in 1991
Chartered Financial Consultant® (ChFC®) certification from The American College of Financial Services in 2004
Accredited Investment Fiduciary® (AIF®) designation from the Fiduciary Institute in 2006
Masters in Financial Services from the American College of Financial Services in 2012
Registered Representative and Investment Adviser Representative of Commonwealth Financial Network®, a Registered Investment Adviser.
Rebecca joined John as the office manager in 2018 and, as a mother of five, has exceptional organizational skills and is technologically adept. As part owner of the business, Rebecca is particularly keen on providing great client service. Over the last 10 years, she has also had a major impact in organizations like, Young Lives Three Rivers (local support group for teen moms) and the Pittsburgh Girls Choir.
Our Affiliation with Commonwealth Financial Network
As the nation’s largest privately held Registered Investment Adviser–independent broker/dealer with $1.425 billion in annual revenues*, Commonwealth has the scale, stability, and resources to help us deliver the solutions our clients need. With a staff of more than 900, Commonwealth helps approximately 1,950 independent advisors* serve their clients and manage total account assets of approximately $161 billion.*
The fact that we've chosen to work with Commonwealth means that our firm remains INDEPENDENT and free to act in your best interest, without any pressure to promote proprietary products or strategies. It's a model that differs from that of some other, larger financial firms whose financial representatives are accountable not just to their clients, but also to the parent company that employs them.
Commonwealth is also independently owned and managed, which means the firm retains the freedom to allocate resources where they're needed and to act in the best interests of its financial advisors and their clients—not shareholders.
*As of December 31st, 2018
COMMONWEALTH RESEARCH TEAM
Our partnership with Commonwealth Financial Network®, provides us access to a team of investment research specialists who assist us in our efforts to provide you with the best possible service. Each of the professionals on this team brings a breadth of experience in the industry and within his or her own specialization.
COMMONWEALTH ADVANCED PLANNING TEAM
Our partnership with Commonwealth Financial Network® gives us access to a team of advanced planning specialists who can help us provide you the best possible service.
COMMONWEALTH RETIREMENT CONSULTING SERVICES TEAM
Our partnership with Commonwealth Financial Network® provides us access to a team of knowledgeable and experienced retirement professionals. Each of the members on this team brings a breadth of experience in the industry and within his or her own specialization.
Have a question about retirement?
I have lived and worked in our community for my entire life and, with a family of seven of my own, I'm preparing for my future, too.
I promise to offer guidance like it’s my own family at stake. Ask me anything!