Gaines, John Andrew

Gaines, John Andrew provides advisory and financial planning services to a mix of individuals, high‑net‑worth families, tax‑exempt foundations, charities, and business entities, delivering consultation and modular or comprehensive planning engagements. The firm advises on a broad set of investments — including mutual funds, variable annuities, municipal and government securities, partnership interests and, where approved by LPL Financial, hedge funds — and also provides general investment guidance for ERISA and IRA accounts.

The adviser employs a combination of fundamental and technical research methods (including charting, cyclical analysis, Elliott Wave techniques and long‑term price‑to‑earnings analysis) and implements strategies ranging from long‑term purchases to short‑term trades and option writing. Engagements are non‑discretionary, typically reviewed monthly or quarterly, and planning work is time‑limited (planning periods do not exceed six months).

Compared with many investment managers, the firm commonly charges fixed or hourly fees rather than a percentage‑of‑assets‑under‑management and discloses that at least half of its time is spent on other business activities, including services through LPL Financial and the sale of insurance and annuity products. The principal is also a registered representative of LPL Financial and a licensed insurance agent, and the brochure discloses potential conflicts when investment or insurance recommendations are implemented through those roles.