A Financial Management Consulting Group
Western States Financial & Investments
We are an independent advisory firm serving individuals, families, and business owners with a wide range of financial solutions. Guided by our faith and family values, we help clients pursue their dreams and retirement goals through purpose-driven planning. As a Certified Financial Fiduciary (CF2), we prioritize your best interests and empower you to make informed decisions about your money.
Our approach starts with listening to your goals, then creating tailored strategies that fit your needs—not products. We offer holistic services including Wealth Management, Insurance, and Estate Planning. It’s not just about finances—it’s about building a life aligned with your purpose.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.
Request Your
Receive Our
Have a Question?
Here For You
Meet The Team
John Weyhgandt
CEO & Founder
John Weyhgandt is an Independent Financial Advisor, Fiduciary, Fiduciary, and the President and Owner of Western States Financial & Investments. With a deep commitment to helping individuals, families, and business owners achieve financial freedom, John combines education, experience, and ongoing industry training to deliver clear, purpose-driven strategies. His approach focuses on empowering clients with practical knowledge and personalized planning to help turn their dreams into reality.
Rooted in strong community values, John has served as Chairman of the Board for the Corona Chamber of Commerce and actively supports several local non-profits with his financial expertise. Outside of the office, John enjoys spending time with his family, barbecuing low and slow, traveling, and giving back through volunteer work.
Marlene Weyhgandt
CFO
M. Randall Jones
COO, CSMO
Courtney Kocen
Client Service Specialist
RR
Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in October 2025
- There are no events scheduled during these dates.
Our Downloads
The Ultimate 401(k) Guide
How to Take Control of Your 401(k) Before and After Retirement
The 401(k) is one of the most important retirement planning tools we have. You pay into it for decades and will likely rely on it, among other income sources, for decades in retirement. The potential tax benefits and power of compound returns can make it a great savings and investment tool for retirement. But to make the most of these accounts requires an informed strategy. There are several important things to know about your 401(k), such as how much you can contribute, options for your 401(k) when you leave your job, and how much you are paying in 401(k) fees.
Our Blog
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
