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 find the best insurance values and optimizing 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 there is also value in helping clients avoid losses.