John Harms, CFP®, RICP®
Chief Investment Officer | SixPoint Financial Partners
John helps advisors and clients navigate today’s markets with a process built on economic fundamentals, technical analysis, and tactical asset allocation, and communication that stays clear, grounded, and client-first.
Financial planning should connect every part of your financial life.
John is an Indiana native who started in the investment and financial services industry in 2004 with Wachovia. There, he concentrated on helping small business owners in Chicago’s Lincoln Park community with retirement planning and investment portfolio management.
Upon moving to Rochester in 2007, John shifted focus to providing comprehensive financial planning, wealth management, retirement income and distribution planning advice to educators.
In 2024, John took on the role of Chief Investment Officer for SixPoint Financial Partners, where his focus is helping advisors and clients navigate today’s markets with a process built on economic fundamentals, technical analysis, and tactical asset allocation. With a disciplined focus, John designs portfolios that adapt to the market cycle, all while keeping communication clear, grounded, and client-first.
He believes good investing comes from insight, structure, and staying one step ahead. John believes our role is to be a steady hand, take a long-term view, and have a genuine partnership with each client.
Family, coaching, and time outdoors.
John resides in Webster, NY, with his wife, Shelly, and their three children, Jack, Nick, and Tessa, and their Lab/German Shepherd mix, Gizmo.
John loves to watch his kids’ sports and activities, and coach whenever possible. When he’s not at the little league fields, cross-country course, or a dance recital, you can probably find John fishing, playing golf, reading, or hiking.
Planning for the next important chapter
Individuals and couples approaching or living in retirement
Families with $1 million or more who want coordinated advice
People managing pensions, 401(k)s, taxes, and Social Security decisions
Business owners balancing personal and company finances
Delegators who value an organized team and a repeatable planning process
Six connected areas. One coordinated financial life.
John and the SixPoint team organize planning around the areas that most often shape a family’s ability to live well today and prepare confidently for tomorrow.
Investments
A strategy aligned with your goals, time horizon, income needs, and comfort with risk.
Retirement Income
A plan for turning savings, pensions, and Social Security into sustainable income.
Risk Management
Protection for the people, assets, and plans that matter most.
Tax Planning
Forward-looking decisions designed to improve coordination and reduce avoidable surprises.
Estate Planning
Thoughtful coordination of beneficiaries, documents, ownership, and family communication.
Custom Goals
Planning built around your family, priorities, opportunities, and definition of a meaningful life.
Start with the questions most relevant to you.
Explore practical guides and specialty planning resources created to help you understand your choices before making important financial decisions.