John Montoya, founder of JLM Wealth Strategies and co-founder of LifeTrust Financial Group, began his career in financial services in 1998, and is one of only 200 financial advisors in the country who have successfully completed the training program required to become a Bank On Yourself Authorized Advisor. John holds a B.A. from the University of San Diego, is the proud father of 3 children and in his free time volunteers for the Society of Financial Awareness, a nationwide 501(c)3 Non Profit Educational Speakers Bureau to end financial illiteracy across America.