John has been active in the insurance business since 1979.  Over the years he has developed significant expertise in the areas of group benefits, group RRSP plans, pensions, business continuation plans and personal financial planning.

Carsten and John have worked together for over 10 years in the Group Benefits Division of CBS Financial serving over 100 companies in the Bow Valley.

John lives in Calgary with his wife, Renee and their two children.  He commutes regularly to Banff to meet with and advise business clients on the products and services offered through CBS Financial Directions. John enjoys his time in Banff and Canmore as it allows him to combine his business activities with two of his favorite activities — golf and skiing.