Since our humble beginnings, We have been totally
focused on helping individuals & business owners
with their financial, insurance & estate planning needs.
John Nicholson
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John Nicholson is the founder of www.The 401K, & Virtual Advisor Group LLC. a nationally recognized independent insurance & financial services agency. John and his agents are dedicated to helping others find the right solutions through the myriad of choices available to them when seeking insurance, retirement and financial advice. 

John's financial background began fairly early on through helping both family members and others in the late 1980s with their financial and planning needs. During the mid to late 1990s he became focused on assisting many clients obtain home improvements & financing for major projects as well as numerous commercial building improvements for clients while simultaneously doing rehabs and flipping of his own projects.

As a T.V. spokesperson for a major Chicagoland remodeling company for a number of years, he also became a trusted adviser to many, helping friends, relatives and clients with improving their investments, financial, estate and retirement plans in the early 2000s.

The 401K Man agency began in 2012 as an independent agency servicing the Midwest. Our Virtual Advisor Group was organized in 2020 to provides a wide variety of choices online as opposed to the often pushed one size fits all plan available at many of the larger financial or "brand" insurance companies & firms.  We offer many choices and solutions from basic insurance policies to comprehensive estate planning from dozens of available carriers online.

I am sure many of you grew up thinking that all you needed to retire comfortably was to get a great job with a good company and pay into your 401k for retirement. Back then you probably didn't know or realize that 401K plans would follow the markets ups and downs daily. Once you saw your 401K or retirement dip you knew you needed to do something but what? 

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The401Kman can help you with navigating the myriad of choices available to you when it comes  to choosing the right insurance, financial, retirement & estate planning for your needs. We can provide you with the trusted help that you are seeking, from a simple financial review to online life insurance & annuity quoting services available across the country. We even serve a large portion of the United States in person through our network of highly qualified estate planners and insurance professionals. 

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Nothing contained on this Website constitutes tax, accounting, regulatory, legal, insurance or investment advice. Neither the information, nor any opinion, contained on this Website constitutes a solicitation or offer by the Virtual Advisor Group or its affiliates to buy or sell any securities, futures, options or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Decisions based on information contained on this Website are the sole responsibility of the visitor. In exchange for using this Website, the visitor agrees to indemnify and hold the Virtual Advisor Group, its officers, directors, authors, consultants, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of this Website, from your violation of these Terms or from any decisions that the visitor makes based on such information.

The proposals, investments and strategies discussed in the Website may not be suitable for all investors and are not obligations of the Virtual Advisor Group or its affiliates or guaranteed by the Virtual Advisor Group or its affiliates, consultants and employees.

The Virtual Advisor Group  makes no representations that the contents are appropriate for use in all locations, or that the information transactions, securities, products, instruments, or services discussed on this site are available or appropriate for sale or use in all jurisdictions or countries, or by all investors or counter parties. By making available the information on the Website, The Virtual Advisors Group does not represent that any investment vehicle or advice is better or worse, available or suitable for any particular user. All persons and entities accessing the Website do so on their own initiative and are responsible for thcompliance with applicable local laws and regulations. Fixed, Indexed and certain other Annuity products are contracts and require you to complete your due diligence like any other retirement or investment product before you purchase for your portfolio or goals.

All investments involve risk and may lose value. The value of your investment can go down depending upon market conditions. Self directed I.R.A. investments are subject to certain prohibited transactions and regulations under I.R.S. rules. Fixed income investments are subject to risk including interest rate, credit, market and issuer risk. Currency exchange rates may cause the value of an investment to go up or down. Alternative strategies involve higher risks than traditional investments, may not be tax efficient, and have higher fees than traditional investments; they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain. 2020  Virtual Advisor Group LLC. 

State Insurance Licenses #

AL 3000618669, AR 11977459, AZ 11977459, CA 4001229, CO 613924, CT 002646782, DC 3000616547, DE 3000616491, FL W590202, GA 3288416,

HI 495922, IA 11977459, ID 735590, IL 11977459, IN 757268, KS 11977459, KY DOI-1051588, LA 826435, MA 2096146, MD 3000616471, ME PRN336282,

MI 11977459, MN 40645230, MO 8387930, MS 10629044, MT 3000616474, NC 11977459, ND 11977459, NE 11977459, NH 11977459, NJ 3000616528,

NM 11977459, NV 3464038, NY LA-1562077, OH 1253001, OK 3000616539, OR 11977459, PA 907324, RI 3000616500, SC 11977459, SD 40526091, TN 2449529, TX 2435809, UT 735502, VA 1135478, VT 3464587, WA 1026638, WI 11977459, WV 11977459, WY 409203

Virtual Advisor | The 401K Man's Virtual Advisory Group 107 W Van Buren Chicago IL 60605, 126 W Vixen Circle Branson MO 65616