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John Madison

Personal Finance, Investing, Taxes
“John is a CPA, CPRC and financial educator committed to educating and empowering individuals and couples to make smart decisions regarding their personal finances. Schedule a no-cost, no-obligation consultation to learn more.”

60 Minute Finance

Job Title:

CPA , Financial Counselor (CRPC)


Born and raised in Virginia, John passed the CPA exam before graduating from Virginia Commonwealth University and beginning his career at a “Big-8” accounting firm in 1987.   

After two years in public accounting, he accepted employment with a client and rose through the ranks in private industry.  Desiring to work in a more diversified environment, John started his own accounting practice in 2000 and added personal financial coaching services in 2013.

John resides in Hanover County, Virginia with his wife and children.  He is active in his church, enjoys finishing a good run or workout at the gym, and leads personal finance classes in the community.

In addition to 60 Minute Finance, John is also the owner and president of Riverpine Services, Inc.  Riverpine Services, Inc., provides freelance accounting services to a select number of small businesses throughout the region. In 2016, John moved to a part-time roll with Riverpine to focus his attention and energy on his personal financial education efforts.


BS, Accounting, Virginia Commonwealth University

Fee Structure:



The recommendations provided are educational in nature and not intended to be specific recommendations for any particular individual.  The goal is to educate and inform readers of available options, with the ultimate decision being theirs.  Please consult the appropriate tax, investment, insurance or financial planning expert before making any final decisions.

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August 2018
    Personal Finance
May 2018
    Personal Finance, Financial Planning, Debt
March 2018
    Debt, Personal Finance
September 2018
    Personal Finance, Financial Planning
February 2018
    Real Estate, Financial Planning

All Answers
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Most Helpful
    Investing, Asset Allocation, Choosing an Advisor
Should I keep money in a high yield savings account until it is to be invested?
100% of people found this answer helpful

I see no reason not to hold these funds in an FDIC-insured, on-line bank until you're ready to invest.  With rates slowly rising, you can earn close to 2% on the funds, with no advisor fees!  While you won't earn a lot, every dollar helps!

Thanks for your question and best of luck to you.


May 2018
    Financial Planning, 401(k), Asset Allocation, Real Estate
Should I change my asset allocation strategy?
100% of people found this answer helpful
May 2018
    Financial Planning, Retirement, 401(k)
What kind of penalties and fees can I expect to pay when rolling a 401(k) over into a new retirement account and withdrawing $4,000 in the process?
100% of people found this answer helpful
May 2018
    Debt, Investing, 401(k), IRAs, Stocks
Should I pay off my credit card debt and student loan debt, or contribute the maximum amount to an HSA and Roth IRA, and contribute 10% to my 401(k)?
100% of people found this answer helpful
April 2018
    Social Security
Can SS benefits be delayed after already filing?
100% of people found this answer helpful
February 2018