Clients Choose Joe Thomas because:

Joe is an expert in his field, retirement and financial planning, Joe has years of experience helping thousands of clients, Joe is Trusted and Valued for his advice and recommendations. Joe is most knowledgeable and freely provides the client with information and education to help make those hard to make financial decisions.
Joe is the author of the book “The Retirement Know It All” not because he’s a know it all, but because everyone is today when it comes to money and finance.
Joe has been on the radio hosting his own radio show, the Jupiter Joe Retirement show in south FL on both AM and FM stations educating clients about being safe and cautious when making financial decisions.

Joe, why do think clients choose you?

It’s pretty simple really, clients come to me because I treat them the way I wanted to be treated as a client. That means that “no question is a stupid question.” And when you ask me a question you don’t know, that only means you are seeking help and education in an area I may know more about. I take this as a compliment.
Values are very important to the way I conduct my business. This is because being the son of a U.S. Marine and being born on a marine base in Quantico Virginia, you learn values that were instilled and drilled into my head at a very young age by my parents. I was taught if someone is nice to you then you should be nice back and always treat and respect others…Sounds corny but it’s true.
Trust is something that can only be proven over time and all of my clients know that I value the trust they put in my hands with their money and I don’t take it lightly.
My job to is to help clients make better more educated decisions about their retirement whether they are already retired or about to retire.
I use my knowledge and experience to help clients create a personal plan for their retirement. I do more than just offer products; in fact, I look at all aspects of their current plan and see how I can help in specific areas they may need help with, to maximize and leverage their money while meeting their goals.
Usually a client comes to me with an issue or concern they want to resolve. For example:

• they need more income
• they may want to protect their assets
• they need more safety
• they want more growth without risk
• they may want to pass assets to their family in the most tax-advantaged ways

Understanding that every client is different is so important in what I do. I must understand that your concerns are unique and I have to fit the right plan of action to you specifically and when I do that, we both sleep at night.
Talking to each other is the best way I have found to find solutions to my client’s needs, sometimes it takes 2 or 3 meetings before we start a plan of action. I also continue to meet and talk with you regularly because things change and so should your plans.
Ask yourself when was the last time your advisor called you or better yet met with you to discuss how you are doing and has anything changed? Why this is so important is because life goes on, people die, people get divorced, financial situations change, people’s needs change, so having a yearly update is for your benefit.

How can Joe help you?

Getting a 2nd Opinion today is not an option it is vital to making sure your money is doing what you need and want it to do. And, getting a 2nd opinion means getting a new opinion from a New Advisor and Not the same one you already have. You need an Un-Biased 2nd opinion about your money.
Having More than one advisor is the new norm, I know you like your current advisor and that’s great, however, just remember that Bernie Madoff came highly recommended, and having all your eggs in one basket with one advisor is not good practice today.
Protecting your money is not something you just say, it should be something you actually do. This isn’t about what investments you own, or how much interest you earned last year, this is about Protecting your money from others. A new client was referred to me and they told me that their old “Advisor” showed up at the door delivering their pizza. So, make sure your advisor is really an advisor. In south Florida there is so much crime that you have to beware of it, so please remember this, “the same people who want to help you with your money, also want to help you out of your money.” Now this doesn’t mean everyone is trying to rip you off, however, there are plenty that do, so be careful.
Stop using cop-out terms that prevent you from getting good advice about your money, For example:

• I’m too old to worry about my money
• Keep your money invested in a tax-free vehicle for a longer time by avoiding required distributions after age 70½.
• I don’t have enough money to worry about
• My son or daughter will take care of that for me
• • It’s too complicated

Remember, if it’s about your money than it should never be too complicated or too little to worry about, it’s more important to keep as much as you do have. And, most importantly make the right decisions with it while you can.
Having investments that do well for you is one thing, however, making sure that your money goes where you want it to is something very different. What do I mean by this? Do you really want that daughter in law or son in law that you really don’t like getting your money when you pass? Or do you really want your kids to blow your money on new cars and jewelry when you pass? Do you want your daughter in law or son in law making your decisions about your health care needs when you can’t make them anymore? If you said no way! Then make sure you control your money now and later when you need it most.
Again, this isn’t about earning more interest, or picking a good stock, this is about making the right decisions with your money while solving your personal issues you want to solve while you can.
Making sure your beneficiaries are up-dated is so important that you need to look at this every year or especially if someone dies in the family, or someone gets divorced, or someone is born. Making sure your money goes where you want it is much more important than how much interest you earned last year!
Taxes are the number one criterion you should be looking at during retirement, people have been told by advisors that you will be in a lower tax bracket when you retire, and this is false, most clients come to me in higher brackets. And reducing or eliminating taxes is vital to your retirement, yet very few advisors talk about this, instead they talk about returns. I talk about everything related to taxes first, for example:
Roth IRAs, Life Insurance, QLACs, CRTs, Charities, giving away RMDS, Using RMDS to a higher level, using life insurance to leave your family 100% Tax Free dollars vs. 100% taxable dollars. Understanding how tax codes work in your favor can be a game changer for you and your family.
Arthur Godfrey said: “I am proud of paying taxes only thing is I could be just as proud for half the amount”
In my book the Retirement Know It All, I talk about all of these subjects and more. I found out a long time ago if I educate my clients first then they find it easier to communicate with me about the goals and needs they have.

Joe’s Personal offer to you

Get a Free copy of Joe’s book:
“The Retirement Know It All.”
Get a Free Copy Joe’s article:
“The 10 Biggest Money Mistakes You Should Never Make!”
Get a Free Consultation with Joe personally:
“45 Minute Free Consultation”

Simply Call Joe Today at: 561-743-0999