J.W. Cole
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
J.W. Cole is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.
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Meet John
With over four decades of experience, John pledges to utilize the latest in financial planning technology and to provide applications-based concepts which can assist you towards the achievement of your goals. John offers comprehensive financial plans that include personal savings and investments, and a detailed risk management strategy. He is registered to conduct business in nearly all of the 50 states.
Originally from New Jersey, John attended Muhlenberg College in Allentown, Pennsylvania, and was commissioned as a Second Lieutenant in the United States Army through Lehigh University’s ROTC program in 1983. After completing the Signal Officers Basic Course, the Communications-Electronics Staff Officer Course, and Army Airborne Training, he was stationed in Korea from 1984-1985. In 1986, he was honorably discharged from the Army and entered the financial services industry, where he worked for four different companies in four different countries in various positions, including financial advisor, Office of Supervisory Jurisdiction (OSJ), registered principal, partner, and Chartered Financial Consultant (ChFC®) – all while simultaneously earning his Masters of Business Administration (MBA) in 2007. He also earned his Certified Financial Fiduciary (CF2®) in early 2024.
He is married and the father of a 18-year-old daughter. In his spare time, he loves to cook with his family. John is also a triathlete and likes to bike, run, hike and swim to stay active. He enjoys perfecting his German and Italian speaking skills. John remains involved in military veteran affairs by committing his time and money to support veteran initiatives.
A professional helping professionals.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in March–May 2026
- There are no events scheduled during these dates.
Our Downloads
Federal Employee’s Guide to Retirement
Your financial strategy is the foundation of your retirement life. However, it can be difficult and complex to keep up with the changing financial landscapes, laws, and regulations, especially if you’ve been a federal employee and have worked for the government throughout your career.
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
