Insurance, Financial and College Planning

John Raines is an insurance professional who provides the protection of life, health, and annuities to a clientele of successful professionals, business owners, and retirees.

With his associates, he also helps students and their parents minimize college costs and maximize their long term financial goals.

"I have helped hundreds of people retire successfully with peace of mind, knowing their assets are secure" says John.  "The key to a successful retirement is protection of assets and guaranteed income."

John’s classes, seminars, and workshops on creating a tax-free retirement, optimizing social security benefits, and retirement planning are popular throughout Southeast Iowa. Holding both bachelor’s and master’s degrees, John has over 20 years of experience in the profession. He is a former President of OALU (now the National Association of Insurance and Financial Advisors) and has attained the Chartered Financial Consultant ®, Chartered Life Underwriter ®, Chartered Advisor for Senior Living ® and Life Underwriter Training Counsel Fellow professional designations. Before becoming an independent broker, John gained experience with Bankers Life and Casualty, American Express Financial Advisors, and the Principal Financial Group. He was honored with a President's Club Award and attained Agent of the Year and Customer Service Excellence recognition.  

In off hours, John enjoys time with his two daughters, playing tennis, hiking, and fundraising for local charities.

Life Expectancy

Knowing your likely life expectancy is an important factor in making long-term financial plans.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70½.

More Calculators →

HOT TOPIC: Will College Pay Off? Big Bills Call for Smart Choices

A Federal Reserve analysis found investing in a college degree earned an average annual return of about 15% over the last decade.

If Inflation Is Low, Why Are Prices High?

Consumers who go to the grocery store or gas station might wonder what the talk of low inflation is all about.

Credit vs Debit: Paying with Plastic

Debit and credit cards are subject to different rules and tend to offer different benefits and liability protections.

Tax Season Never Ends for the Self-Employed

Making accurate quarterly tax payments on schedule can help avoid interest penalties for underpayment.

More Newsletters →