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Helping Young Professionals and Remarkable People Take Control of Their Financial Narrative

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Plan. Monitor. Grow

Based on your situation

Your plan is built off of your situation. Together we look at your entire picture, with an eye towards the future we make sure that we do not sacrifice everything today.

Modern Tools

Collaborate with clients, providing them with easy-to-understand recommendations and helping you implement them every step of the way. Our plans are flexible so we can make changes as your life changes

Clear Vision & Direction

Specialize  in providing agile financial planning and investment services for clients seeking to take control of their financial narrative.

 Create a plan to get from where you are today to where you want to be in the future.

Pairing world-class service with down-to-earth conversations.

What many people don’t expect — I'm human too. We’ve all made our fair share of mistakes in this world; many of these mistakes helped us become the competent people we are today. Without these lessons, I would be left referencing textbook material and subjective news commentary, and that’s no way to serve clients.

My hope for every one of my clients is that after each meeting, you’ll feel more confident and rest assured that your money is here to be an engine of opportunity.

Check the background of your financial professional on FINRA's BrokerCheck.

John B. Bennett, CFP® Professional Photo

John B. Bennett, CFP® Professional

Investment Advisor Representative
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John joined Boyer and Sappenfield Investment Advisors in 2012.

He holds FINRA Securities Licenses: 7 and 66, as well as State Life, Health, and Variable Insurance Licenses. John earned the CERTIFIED FINANCIAL PLANNER™ professional designation from the Certified Financial Planner Board of Standards Inc in April of 2019 . 

In 2016, Boyer and Sappenfield Investment Advisors changed broker dealers to Cambridge Investment Research to better serve customers. Cambridge Investment Research offers a broad range of choices, which allows John to find the solution that is believed to be the best for each individual client's situation.

A lifelong Illinois resident, John is a proud alumnus of Lake Land Community College in Mattoon and Eastern Illinois University in Charleston. He majored in finance and graduated early after earning his Bachelor’s of Science degree in 2010. Knowing student loan debt is a burden for many, John worked hard to complete his degree requirements quickly and graduate with as little debt as possible. With careful budgeting and planning, he was able to completely pay off his student loans within one year of graduation.

John and his wife currently reside in Tuscola with their daughter. He purchased his home in 2014 with a conventional home loan and 20% down payment. While he does not advocate for the use debt on all things, he believes in having a financial plan in place before entering into a debt obligation. The benefits of homeownership outweighed the risk in his case, and they’ve enjoyed working on their home and life together.

In his free time, John enjoys woodworking and making personalized gifts for his family and friends.

Check the background of your financial professional on FINRA's BrokerCheck.

Cole O'Rourke, FPQP® Photo Cole O'Rourke, FPQP® Hover Photo

Cole O'Rourke, FPQP®

Financial Assistant
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Cole O’Rourke joined the team in October of 2021. Cole has a background in marketing and has quickly gained knowledge in our industry, earning the Financial Paraplanner Qualified Professional designation, allowing him to better assist.


  • Boyer & Sappenfield Investment Advisors, October 2021- Present

Cole's duties as a member of the Boyer and Sappenfield team include: Data entry, filling out forms, preparation of and assistance with financial plan documents, telecommunication, servicing client accounts by tracking transactions and servicing accounts with confidentiality, and marketing.  

In September 2022, Cole attained the Financial Paraplanner Qualified Professional designation. 


Cole graduated from Arcola High School, and attended Parkland Community College in Champaign, Illinois as well as Eastern Illinois University in Charleston, Illinois. Cole graduated with a Bachelor's of Science in Marketing from Eastern Illinois University in Spring 2016. 

Cole currently lives in Tuscola, Illinois with his wife; Hannah and their dog; Ruthie. He enjoys watching sports in his spare time. Sports Teams followed include the Minnesota Vikings, Chicago White Sox, and Chicago Bulls.

And of course, he is also a fan of the Fighting Illini. I-L-L... 

Arcola - Boyer and Sappenfield Investment Advisors Office Photo

Arcola - Boyer and Sappenfield Investment Advisors Office

Team Office
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Office Information

I have been lucky enough to learn and grow in this business as part of the Boyer and Sappenfield Investment Advisor office in Arcola Illinois.

I continue my role in this office daily at 102 E Main Street in Arcola Illinois 61910. 

To learn more about the other members of this wonderful office click the link above to be directed to the page about this office. 

While you will work directly with me on all planning and investment matters, you will likely be contact with other members of this team through out time. 

I have learned in my years in this business you are only as good as the support system that you have, and in my opinion I have a great support system between the administrative staff and the other advisors in the office.

Why did I become a Financial Advisor?

From a young age, I have always found enjoyment in being able to help someone. Whether that was assisting a neighbor in around their home or helping a classmate understand our studies better. From an early age, my parents instilled within me a value of money and saving toward goals.

As I thought about what I wanted to do with my life, I kept coming back around to help those around me as a general theme for my life. In high school, I took my first accounting class that propelled me into the world of business for college. A professor at Eastern Illinois University helped me realize that Financial Planning was the area that my skillset fit into and would allow me to help more individuals and families. The conversation happened in 2009, and I have never looked back. 

Providing financial planning combines the aspects of my life that I loved from a young age, helping those around me, teaching the value of money, and setting achievable goals. I wake up every day, enjoying the work involved with providing Financial Advice to complicated financial situations in an effort to make a positive impact on those around me.

The process starts with a fit meeting to determine if you and I would would well together. This fit meeting is at no charge and is done in-person or virtually via zoom. 

How do I provide Financial Advice?

Throughout our relationship, we work together to build a Financial Plan to help you take control of your Financial Narrative. What you receive is limited to our engagement scope, whether it is a single matter like budgeting or a holistic approach that encompasses your entire Financial Narrative.

I have worked hard throughout my life to build knowledge in the Financial field. I can promise you two things: One: I do not have all the answers but will do my best to get you an answer. Two: Your account balances will fluctuate over time - investing for the long term is not a straight line.

First: Assets Under Management model - In this model, the majority or all of investment accounts are held through my management. Your assets pay for the majority of the advice given. A Subscription based charge is applicable for relationships with less than $250,000 held through my management if you choose to have more than investment management services

Second:  Advice as a Subscription model- In this model, all investment accounts are held outside of our relationship and you are billed monthly for the advice given. This area is great for a Do-It-Yourself individual or family that just wants to ask a few questions now and again but wants to retain as much control over their journey as possible.


What do you receive?

Items received are based on the scope of our relationship. A full financial planning engagement includes:

  • A detailed summary of your plan and actionable items
  • Investment Recommendations
  • Social Security Strategies
  • Cash Flow
  • Net Worth Statement
  • Access to a Third Party Software - Clic-Client powered by Emoney Advisor.
  • A personalized calendar, so you know what to expect from our continued relationship, including:
    • Ongoing investment reports on your client schedule
    • When we would discuss changes to your financial plan

You can learn more by visiting my Frequently Asked Questions page here.

Markets Fluctuate. 

We'll Help You Stay The Course.

The cycle of the market is unbeaten, cycle of our emotions make it difficult to invest when the market is low and instead make us want to invest when markets are higher. If we follow our simple emotions we will keep repeating until we are broke. Working with an advisor can help you avoid this common misstep and stay on a positive course built for you.

As a fiduciary firm, providing you with the knowledge and resources you need to be successful is what we do best. There’s a lot of technical jargon in this industry, and we want to make sure the solutions created for you are easy-to-understand so you can apply the insights throughout your day-to-day life.

I am a firm believer that anything is possible, and whatever challenges that come up along the way exist to guide us in the right direction. When it comes to financial planning, you can only be proactive to a point as we cannot control everything. However, by putting strategic measures into place, you can overcome any issues and obstacles with ease and confidence. Explore the different scenarios you might find yourself in — and the solutions we would recommend.



You need some hands-on guidance on which investment strategies are right for you.
Investment Management
Accomplish your short- and long-term objectives with an investment portfolio tailored according to your unique risk profile.

You’re in the middle of your career, just started a family and have assets all over the place that need some organization. 
Retirement Planning
Social Security, pension, stocks and more. We’ll identify all potential sources of income so you can look forward to your life past.

You're at the start of your career, picked your college of choice or just finished up schooling and need to start a plan to organize assets and liabilities effectively. 
Financial Startup Planning
Getting started on your Financial Narrative can be a daunting task on your own. We'll work together to define your goals and get you started working toward your future confidently.

Crafting portfolios that are tailored specifically to you and your situation is the main goal. I do not use a menu approach where I lump individuals into a 1 through 6. Every investment and allocation to that investment is designed with your situation in mind.

When you work with us, we will:

Identify Your Short- and Long-Term Objectives
As these objectives change, we’ll strategically adjust our approach according to the current state of the market so you continue to generate returns.

Determine Your Optimal Risk Tolerance
Through a series of questions, we’ll pinpoint the amount of risk needed for you to achieve your goals and still be able to sleep at night.  

Follow a Timeline That’s Right For You
After outlining your objectives, we’ll design a strategy that aligns with your optimal timeline for achieving your returns.  

Whether your are in the retirement phase, just getting started in your career, or anywhere in-between, financial planning is an essential aspect in taking control of your Financial Narrative. 

Our Financial Planning services involve:

Your investment strategy and ensuring you’re investing your wealth in an allocation that best align with your objectives and risk tolerance.

Your spending habits so you continuously make decisions that benefit your broader financial picture. One of my favorite quotes from Warren Buffett is "If you buy things you do not need you  soon you will have to sell the things you need." 

Potential alternative courses of action in hopes of maximizes the potential of meeting your goals. We keep our plans agile so we are able to change course when life dictates that a change is necessary. 

Getting Started is Easy

You can enter your information below and I will reach out to you, or you can schedule an available time that works best for you from my Calendly Schedule in the Client Portal. 

While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.

To help prepare for this meeting, you should have a basic idea of your current financial picture and financial goals. How are things now? Do you have any concerns? What do you hope to accomplish in the next few years and longer term?

Client Portal