John Hickman

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John Hickman is an experienced advisor committed to helping individuals achieve a secure and prosperous retirement. With licenses across multiple states and extensive expertise in financial planning, John is dedicated to crafting personalized strategies that prioritize guaranteed lifetime income, tax efficiency, and protection from market volatility.

John’s approach is grounded in mathematics and logic, not just opinion. He structures each retirement plan around five foundational pillars:

• Guaranteed Lifetime Income
• Effective Tax Planning
• Principle Protection
• Safe Money Growth Strategies
• Legacy Planning

By focusing on these areas, he provides his clients with confidence that their essential expenses will be covered for life, they’ll have financial freedom to enjoy retirement, and their legacy will remain intact for their loved ones.

At the forefront of financial planning technology, John uses cutting edge technology to assess each client’s probability of success, projecting outcomes based on current situation as well as tailored strategies to achieve improved projections. Understanding your retirement needs, goals, assets, income, expenses and taxation is the first step to your strategic plan. His clients benefit from strategies such as:

• Guaranteed Income: Ensuring clients have lifelong income to cover essential expenses and enjoy “play checks” for a happy retirement.
• Efficient Roth Conversions: Helping clients convert retirement accounts to Roth without out-of-pocket tax impact.
• Market Growth Without Risk: Leveraging market index growth opportunities, such as S&P 500 with 100% downside protection.
• Legacy Planning: Creating tax-free, probate free legacy strategies for beneficiaries.
• Affordable Long-Term Care Options: Offering innovative approaches to long-term care without costly premiums.

“Based upon market and economic conditions, if you are within 10 years of retirement or you are retired you must address market risk, tax risk, sequence of return risk, inflation risk, longevity risk. Understanding longevity risk is the risk multiplier of all other risks.”

Born and raised in Boothwyn Pennsylvania, John attended and graduated from Widener University with a Finance Degree and a career with Chase Manhattan Bank as an Analyst and Project Manager specializing in Risk Management. Over 20 years as an active investor and technical trader enrich his insights into market dynamics and secure retirement planning.

Residing in Ridge Spring, SC with his wife Teresa, John is grateful to his family, including five children and growing grandchildren. His values begin with faith, character, integrity and dedication to serving others.