John Koshy AIF®, CRPS®, CLTC®

Managing Partner

Choosing someone to guide your financial future is deeply personal. Over my 35+ year career, I have learned that true wealth management is about much more than just numbers on a spreadsheet—it is about your life, your family, and your peace of mind. As the Managing Partner of Symphony Retirement Partners, LLC, my goal is to give you and your loved ones the ultimate gift: clarity.

Many people approach retirement with a collection of disconnected financial pieces—an old 401(k) here, an insurance policy there, and unanswered questions about taxes. I specialize in looking at your financial life through a wide-angle lens, connecting all those pieces into one comprehensive, seamless strategy.

We focus deeply on the years surrounding your transition into retirement, which is often the most financially sensitive time of life. Together, we will tackle the big questions: How do we turn your savings into a dependable, tax-smart income stream? How do we maximize your Social Security and navigate the maze of Medicare?

But comprehensive care means planning for all of life’s chapters. By integrating thoughtful Estate and Long-Term Care planning into your strategy, we don't just grow your wealth—we protect it. This gives your family a clear roadmap, shields them from unexpected health care burdens, and ensures your hard work benefits the people and causes you love most.

I don’t believe in one-size-fits-all advice. I view myself as your dedicated partner, walking right alongside you and your family. Retirement shouldn’t be a source of stress; it should be a milestone you celebrate. Let’s work together to eliminate the guesswork so you can step into your next chapter with confidence, dignity, and true excitement.