John was a 1966 Graduate of Altoona Area High School and enrolled at Penn State the following fall. During his senior year at Penn State he got licensed as a Life and Health Insurance agent and started his career in the financial services industry. He has served on numerous boards and service organizations over his career including the Altoona Symphony, The Blair County Arts Board, Allegheny Lutheran Social Ministries and the Altoona Redevelopment Authority serving in a number of capacities. He went through the Chairs of the Pennsylvania Associate of Insurance and Financial Advisors in the mid to late 1990’s. He holds the Chartered Life Underwriter degree, Chartered Financial Consultants degree, the Accredited Investment Fiduciary designation and the Accredited Estate Planner’s designation. He was a 20 + year Million Dollar Round Table qualifier with numerous Court of the Table qualifications. His focus has been working with business owners on individual planning and group benefits for tax benefits. In addition he works with the employees of the business as an assist to the business owner. Most recently he has spearheaded bringing a new(old) approach to health insurance saving businesses around 20% on their health insurance plans. He has discovered a way for smaller business to take advantage of Self Funding health insurance while reducing the risk using a group medical captive.