John J. Lomba, ChFC®

John J. Lomba is the Managing Partner of Gratium Wealth Planning, a private wealth advisory practice of Ameriprise Financial Services, LLC, located in Largo, Florida. With over 30 years of experience advising high-net-worth individuals, families, and business owners, John has established a career characterized by long-term client relationships, technical expertise, and a genuine commitment to helping clients protect and grow their wealth.

In addition to his role at Gratium, John serves as Senior Counsel for Estate and Tax Strategy at Lomba, P.A. In this position, he leverages decades of knowledge in wealth preservation, liability reduction, and multigenerational planning. His dual capacity as a financial advisor and legal counsel allows him to provide a comprehensive perspective on the strategies most pertinent to his clients.

John adopts a holistic approach to wealth management, viewing every decision—whether it involves money or time—as an investment that should be assessed according to the client's unique objectives. His planning process is designed to integrate risk mitigation, tax efficiency, and long-term growth into one cohesive strategy. Rather than addressing financial challenges in isolation, John considers the entire picture and develops plans that work synergistically.

He advocates strongly for a team-based advisory model. Over the years, John has cultivated a professional network that includes specialists such as small business lenders, tax professionals, real estate advisors, HR and benefits consultants, and industry-specific experts. This network is readily available to his clients whenever needed. John believes that the best advisors are those who recognize their limits and collaborate with the right experts to fill those gaps.

John possesses extensive knowledge of estate and tax strategies, offering clients valuable insights into wealth preservation, liability minimization, and planning for future generations. His approach combines technical precision with a deep understanding of family dynamics and long-term financial goals.

Whether guiding high-net-worth individuals through complex trust structures or assisting small business owners with succession planning, John provides clear, actionable solutions grounded in his experience and integrity. He frequently hosts educational seminars on estate planning topics, including how to leave a meaningful legacy and strategies for navigating the estate planning process with confidence.

A significant portion of John's practice focuses on advising business owners at every stage of their journey. From entity formation and cash flow management to executive compensation, business retirement plans, and succession planning, John creates the financial framework that supports each business throughout its lifecycle.

His extensive professional network is designed to support a business from its inception to its succession. John coordinates with attorneys, accountants, lenders, and industry specialists to ensure that every aspect of a client's financial life operates in harmony. This team-based model ensures that his clients have access to specialized expertise exactly when they need it.