John Raines

Since 1990 John has helped over 1000 Iowa families with insurance and financial planning. His attention is on finding wealth transfers and then redirecting those lost dollars into improving one's current and future lifestyle.  John teaches his clients how to minimize wealth transfers by reducing market risk when possible, utilize tax reduction strategies, find the best insurance values, and optimize tax-free retirement income.

Traditional financial planning focuses almost exclusively on trying to obtain a higher rate of return, which generally means taking more risk. While the rate of return is important, John believes that there is more value in helping clients avoid losses than there is in trying to pick market winners.  There are so many other risk-free ways to help clients be more efficient in managing their finances, and this is our focus.