John gave a full assessment of our financial state. He reviewed our debt to income ratio and helped us project how much income we will need to live comfortably after retirement. He reviewed our insurance policies for home and auto to make sure we are getting best products to fit our needs for the best price. Helped us choose the best products for our retirement goals. He is knowledgeable, friendly and sincere. We highly recommend him if you are in need of a personalized financial game plan.