Author John Nicholson is a retirement and financial planning expert who began his financial services career in the late 1990s providing financing for building and home improvement projects. John became insurance and financial services licensed in 2009 offering retirement planning through annuities and other services. He later founded The 401k Man.com in 2011 and had an office in downtown Chicago for a number of years right next door to the Chicago Mercantile Exchange in the heart of the financial district. His interest in crypto began early when it was initially introduced in 2011 to the mainstream. As the crypto and block chain movements evolved he closely followed the swings and improvements. Once The Genius Act & Clarity Acts were passed in the United States John recognized a lack of knowledge in the general public and set out to provide some clarity through the AlternativeInvestments.Center website and his book published in 2026 " A Crypto Evolution".