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John Koshy AIF®, CRPS®, CLTC®

Managing Partner

John Koshy, AIF®, CRPS®, CLTC®, is Managing Partner of Symphony Retirement Partners, LLC, an independent Registered Investment Advisory firm. With more than 30 years of consulting experience, he brings distinct expertise in individual retirement planning and retirement income strategy, as well as fiduciary oversight and plan design for employer-sponsored retirement plans.


John advises individuals, families, and business owners on building integrated strategies that align income, investments, tax considerations, and long-term legacy goals with clarity and discipline, while also guiding organizations in fulfilling their fiduciary responsibilities and optimizing workplace retirement benefits.