John has been helping people and businesses with their finances for 40+ years.  While specializing in retirement and estate planning, he has helped clients in a wide variety of situations.  He is the Founder and President of JFR Financial Services, Inc.  He is an RIA registered with the SEC.  In addition to his MBA and CFP, John has his Finra Series, 7, 24, 65 and 63 licenses as well as life, health, disability and annuities.  He has 35+ years of tax preparation.  He enjoys public speaking, teaching and pulpit supply.  John is a Christian and the author of  "A View from the Back Row."