Hi, I’m John Ensley

John_EnsleyI’m a Dad, a Grandpa, an entrepreneur, a veteran, an adventurer and a consummate lover of life and liberty.

My mission is to help savvy families, businesses and investors accumulate more wealth and experience maximum safety, control, tax efficiency and privacy in their financial lives.

I am not a certified financial plannerI do not offer “investment” advice or make “buy” or “sell” recommendations for stocks, bonds or mutual funds, other than to recommend that you get out of the rigged Wall Street casino altogether.

I don’t “manage” your money or your retirement plan funds, but I do co-create unique financial strategies with you – to establish a safe haven where your wealth can accumulate safely and predictably over a lifetime. 

Ultimately, I help my clients achieve what we all want with our money at the end of the day – Guaranteed, Passive, Income Streams for Life! This is the true meaning of what most people refer to as “retirement.”

After my company retirement plan imploded during the tech bubble burst of the early 2000’s and then nearly losing everything in the carnage following the real estate and stock market crash a few years later, I came to realize that much of the status quo “financial advice” I received was little more than speculative mumbo-jumbo touted by sharp dressed “planners” with an alphabet of “credentials” after their names. Believing there must a better way, I began an intensive, self-directed, financial education.

Through an online community of successful entrepreneurs, I learned about a unique wealth building strategy using specially structured insurance contracts that was different than anything I had ever come across before. I implemented these strategies in my own life and business and have been sharing them with anyone who will listen ever since.


meetingProfessionally, I cut my teeth in the student loan industry managing collection operations for multi-billion dollar portfolios of defaulted student loans on contracts with the U.S. Department of Education and numerous state and national guarantors.

This experience taught me that college education in the U.S. is a big, big business and that most American families don’t know now to navigate the higher education system for their own benefit. Consequently too many families pay far more than they should and take on far more student loan debt than necessary.

I launched J-Ensley Financial in 2012 as a different kind of financial services firm. One that combines my background in the student loan industry with a set of unique financial strategies. I’m proud and passionate to be able to help American families pay for college without going broke – and without getting buried in student loan debt!


I am a member of a new breed of entrepreneur – I’m a digital entrepreneur. That means you won’t find me in a posh office building or fancy conference room. I work with the vast majority of my clients “virtually,” utilizing web based video conferencing and the telephone. When I’m not working from my home office here in Southwest Washington State, my “office” could just as well be a cozy little coffee shop in the Montana mountains, a sailboat in the San Juan Islands or just about anywhere. Technology can be a wonderful thing!