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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 began his career in 1990 working in the Insurance and Financial Services. He has built his own practice in the Midwest and serves over 1000 clients. With 30 years of business experience, John has gained expertise in the areas of holistic insurance and financial planning. John currently focuses on helping accountants to offer family office services and provide more value through proactive and holistic planning. John holds the following industry designations: Certified Financial Fiduciary®, Chartered Financial Consultant®, Chartered Life Underwriter®, Chartered Advisor for Senior Living®, and Life Underwriter Training Council Fellow.

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