John has been with 1847Financial (formerly Cambridge Financial Group) since 2017 where he focuses on helping clients develop personalized financial strategies using the LEAP® Financial Model. He holds his series 6, 63, and 65 licenses as well as a certification in planning for families with children with special needs. 

At heart, John is an educator, teaching his clients economic principles that empower them to make informed and strategic financial decisions. He is particularly passionate about helping special needs families through the complexity of planning to provide financially for children that may not ever be able to be fully independent. This passion stems from his own experience of being the parent of a child with special needs. 

John and his wife Janet are the parents of four children and have five delightful grandchildren. Outside of work, John loves to cook, read, water ski, and spend time with his family. John and Janet have called Farmington, Utah, home for the past 23 years.   

Firm Description

John’s passion to pursue this important qualification stems from his own experience as the father of a son with special needs. “While raising a child with special needs has moments of incredible joy, it can also be terribly challenging. It’s not like you’re sent home from the hospital with a step-by-step manual,” John said. “Often dealing with the day-to-day challenges keeps families from planning for the ‘what if we’re not here to take care of our child?’ scenario.”

A properly structured plan helps families prepare for the future quality of life for children with special needs by addressing the critical legal and financial issues. Working with a qualified attorney, families need to decide the details of guardianship, conservatorship, a properly structured will, and establishing a special needs trust. Without these protections, most children with special needs would be automatically ineligible to receive important government benefits after the passing of their parents. Furthermore, families need to work with a qualified Special Needs Adviser to determine the best strategies for adequately funding the trust as well as properly designating beneficiaries for all financial accounts and policies.

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