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John Koshy AIF®, CRPS®, CLTC®

Managing Partner

John is the Managing Partner of Symphony Retirement Partners, LLC, a fiduciary advisory firm with one mission: helping people retire with confidence and never outlive their money.  With more than 30 years of experience, John specializes in guiding individuals and families through the critical decisions that define a successful retirement — ensuring their savings last, their healthcare is covered, and their legacy is protected.


Guaranteed income, long-term care, Social Security, and Medicare. These four decisions shape the quality of retirement life — and John helps clients get every one of them right.


John is the partner you call when the stakes are high and the decisions are permanent. His clients don't just get a plan — they get someone in their corner for life.