Joe is a retirement plan consultant and financial advisor with over 20 years of industry experience. A U.S. Army veteran, Joe’s military background instilled the discipline and leadership that shape his client-first approach to retirement planning. He specializes in guiding plan sponsors, participants, and individuals through the complexities of retirement, with a focus on risk management, strategic plan design, and financial education. Known for his clear communication and practical guidance, Joe helps clients align retirement savings with long-term goals. Joe partners with employers to create compliant, cost-effective, and employee-focused retirement strategies, and is recognized for delivering impactful education and enrollment meetings. Services: • Plan Design & Consulting • Best Practices for Plan Sponsors • Education & Enrollment Meetings • One-on-One Consultations • Individual Wealth Management Education: BBA in Finance, University of Texas at San Antonio A San Antonio native, Joe lives here with his two fur babies, Odie, and Piao. He loves to travel and explore diverse cultures. Family is central to Joe's life; he cherishes spending time with his five siblings and 18 nieces and nephews. He is also actively involved in several nonprofit organizations and charitable initiatives within the community.