As a 1977 graduate of the University of Missouri–St. Louis with a major in accounting, I began my career with a focus on financial and operational auditing. Passing the CPA exam in 1982, I spent 19 years in private industry, gaining experience in cost accounting and various managerial roles. My consulting work across corporate management, including purchasing, manufacturing, and finance operations, has provided me with a deep understanding of business dynamics. I've conducted numerous acquisition reviews, advising on deal structures and uncovering potential savings, resulting in tens of millions of dollars saved for my employers' clients.
Transitioning from running an independent tax practice for 12 years, I became a Registered Representative in 1996, offering investment advice through Cetera Investment Advisers LLC. and Cetera Advisors LLC.
I am married to Mary, my wife of 42 years and we have 4 adult children. I serve as the sole trustee of a private foundation helping indigenous American Indians throughout the U.S. I serve on the Boards of both Hope Vineyard Church and my subdivision. In my free time, I enjoy spending time with my kids and grandkids. As kids, we grew up playing anything that had a ball (and a puck), and that continues today with a passion for sports including the Cardinals, Blues, and the Mizzou Tigers. I also completed licensing for insurance services, expanding my capabilities to better serve my clients. Now in my 25th year with Joseph Financial, LLC, I focus on helping clients make informed financial decisions and organize their financial and legal affairs. My goal is to guide them in transforming their earnings into investments that align with their financial security goals.
Throughout my career, I've been dedicated to providing outstanding customer service and building a diversified, multi-state business. My ability to develop innovative, cost-effective solutions continues to be a cornerstone of my work in benefit plan consulting and investment management. Clients appreciate my easygoing and candid communication style, which, coupled with my extensive knowledge, allows me to effectively partner with individuals, corporations, and not-for-profit groups. As a recognized leader in Medicare and Senior medical insurance issues, I frequently conduct seminars, transforming complex topics into understandable insights. My diverse background and business experience provide me with a unique perspective that resonates with audiences and clients alike.