Your Circle of Wealth Life Insurance - A Ten Minute Lesson Retirement  - Are you Ready? Paying for College - Important Decisions Ahead

How Money Works

We understand that individuals face unique challenges as they prepare for retirement. The big concerns are TAXES, RISK, INFLATION, DEPRECIATION OF THE DOLLAR, AND GOVERNMENT PENALTIES AND REGULATION. Unfortunately, traditional financial planning doesn't address these problems and potentially compounds them.  For example, does your 401(k) solve the problems of risk, taxes, inflation, depreciation of the dollar, and government penalties and regulation, or does it add to them?

As a wealth consultant, insurance broker and strategist, John's focus is on leverage to create the greatest amount of wealth/protection using the least amount of money in the shortest period of time with the least amount of risk.

Personalized Strategies

We create strategies that are tailored to your needs and goals.

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Creative Solutions

We encourage our advisors to tailor solutions to their clients. Unique answers for every situation.

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Core Beliefs

Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.

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Insurance, Financial and College Planning

Insurance, Financial and College Planning

John Raines is a Chartered Financial Consultant ®, Chartered Life Underwriter ®, Chartered Advisor for Senior Living ®, and Life Underwriter Training Counsel Fellow. He is one of a select group within the financial services field to have earned these respected credentials in financial planning from The American College in Bryn Mawr, Pennsylvania. The American College is a non-profit educational institution with the highest level of academic accreditation dedicated to leadership in innovative training and development for financial services professionals.

Using his knowledge and experience John helps families to obtain financial independence, freedom, and a bright-looking retirement.

This type of performance, consistency, dedication and focus is what draws people to do business with Mr. Raines. His clients appreciate his ability to listen to and understand their wants and needs, and deliver customized strategies and plans to help them go from where they are to where they want to be.

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