Over the past 20 years, Joe has specialized in helping individuals and small businesses maneuver retirement planning pitfalls. During this time, there have been unprecedented market movements and Joe believes in taking a long-term, statistical based approach in making investment decisions. He enjoys the uniqueness of each client and strives to find financial strategies that are tailored to his or her specific goals, risk tolerance, and investment time horizon. Joe considers his job to be 95% education. He believes in educating each client so they have a better understanding of how the markets work allowing the removal of emotion from each investment decision. Investing rationally in an ir