John John is a CFP® with 38 years of experience in the financial services industry. He has worked at Calton & Associates, Inc. since 2019 and previously spent 14 years at Capital Financial Services, Inc. Outside of his advisory role, he is also an insurance agent involved in the sale of indexed life insurance, annuities, disability, and long-term care insurance. Calton & Associates serves individual investors, retirement plans, trusts, estates, and other retail clients by offering portfolio management, financial planning, retirement plan consulting, and access to third-party money managers. The firm’s investment recommendations are customized by each advisor according to client goals and risk tolerance, with multiple program structures including firm-managed wrap programs and third-party money manager options.

Timothy Owings is a financial advisor at Calton & Associates, Inc. with 17 years of industry experience. He holds the Series 66 designation and previously worked at Cetera and New Windsor State Bank. Calton & Associates serves individual investors, retirement plans, trusts, estates, and other retail clients, offering portfolio management, fee-based financial planning, retirement plan consulting, and access to third-party money managers. The firm provides tailored investment recommendations and multiple program structures, combining registered investment adviser and broker-dealer operations.