Joel’s journey into the world of financial services began with his sense of responsibility and a desire to protect others from the financial pitfalls he witnessed his grandmother fall into. It all started when he learned that his grandmother had been taken advantage of and duped into a detrimental investment. This revelation deeply disturbed him, and he made it his mission to help prevent others from suffering a similar fate.

Driven by the desire to protect people like his beloved grandmother, he left the insurance industry and embarked on a career in retirement planning. Joel’s professional path recently came full circle when he encountered a client who, much like his grandmother, had made a decision that left her with a gnawing sense of regret. Her panicked call to Joel gave him the opportunity to unwind her commitment to a high-commission product and shield her from the same fate that had befallen his grandmother. This experience reinforced his commitment to helping others preserve their financial well-being.

Joel’s business philosophy is grounded in the belief that a defensive approach to investments and planning is paramount. With over two decades of experience in the financial services industry, he believes that capital preservation forms the bedrock of financial success. Much like in football, where a strong defense can win championships, Joel believes that a solid defensive strategy builds the foundation for a successful retirement. This philosophy is not just his professional mantra; it’s his heartfelt commitment to helping protect others from the financial hardships he witnessed in his own family. It’s the driving force behind his dedication to helping clients enjoy the second childhood they truly deserve.