You could say Joe Esposito inherited his relationship skills from his mother who worked in the education system and his grandfather, who worked in financial services. Both were highly regarded for their integrity and personable style. Building strong relationships with a concierge-level of service is the foundation of Joe’s work with clients. Whether it’s collaborating with them on their planning and investments, helping them understand the performance of their investments, or fielding questions regarding big life decisions, Joe makes himself available whenever his clients need him.

Joe’s career kicked off after graduating from Denison University with double bachelor’s degrees in economics and psychology. His job as a sales representative had him selling all manner of hospital products: from what a patient wears to surgical equipment, and anything you might find in a medical setting. With a personal motto of “one life, one chance, no regrets,” he decided to leave that industry to pursue both his entrepreneurial aspirations and a strong drive to make a positive impact on peoples’ lives. That’s when Joe founded his financial services practice. He has spent more than 30 years serving everyone, from missionaries to millionaires, who approached his firm for guidance.

Joe holds his FINRA Series 7, 63, 65 securities registrations, and is a Certified Family Business Specialist (CFBS) and a Certified Financial Fiduciary^® (CFF^®). He also holds health, life, and long-term care licenses. 

Joe remains proud of the advisory firm he helped build with Keith Kiker, including the welcoming culture and long-term associates who have served their clients with robust planning and a heavy dose of empathy. He points to teamwork as the reason why EK&A successfully serves clients and builds lasting relationships. Joe knows the power of solid teamwork. He was a starting teammate on the 1985 undefeated Denison University football team that rolled to a 10-0 regular-season record, the college’s first-ever North Coast Athletic Conference championship, and a berth in the NCAA Division III playoffs. 

When it comes to his free time, Joe loves to spend it with his immediate and extended family. Joe is married to his wife, Trina of 29 years. He has a son, Parker, who also graduated from Denison University, and three daughters, Payton, attending the University of Dayton, Baylor, in search of what’s next, and Mayson, a sophomore at Fenwick High School. 

Joe enjoys family vacations to different destinations. He also visits his extended family in Ohio, up on Lake Erie, where he grew up, and has many fond memories.

For over 30 years Joe Carreno of The Retirement Advantage, has helped individuals and small businesses navigate the employee benefits and retirement planning arena.

Specializing in the Federal Employee Retirement System benefits (FERS) and  State of Florida Retirement System benefits (FRS) as an independent advocate, Joe is an affiliate of TSP Withdrawal Consultants and Public Sector Retirement Educators, a Federal Contractor and Registered Vendor to the Federal Government, Vendor-UEID: JBDWEDVYLQJ1 / Cage: 7ZEB0

Joe will help you understand your FERS Benefits, TSP Withdrawal & Pay-Out options, as well as the FRS Benefits and DROP Account Pay-Out options in detail while recognizing & maximizing all concurrent alternatives available.

“My primary goal is to guide you into retirement with no regrets; Safe, Predictable, Stable, For Life. I look forward to visiting with you.”

David Pierce is Assistant Professor of Insurance & CLU Program Director at The American College of Financial Services. He holds the Charles J. Zimmerman Chair in Life Insurance Education.

He is a 40+ year veteran of the insurance and financial services industry, progressing through the ranks from Agent and Advisor to CEO.

He built successful teams and winning strategies in sales, management, marketing, communication, and leadership throughout the United States, Southeast Asia, India, and New Zealand.

David created the original “Life Insurance Awareness Week” sales campaign. All rights were granted to LIFE HAPPENS and the concept is now recognized as the life insurance industry’s annual “Life Insurance Awareness Month”.

He also led the team that created and launched "The AIA Financial Health Check" in 2005, Southeast Asia’s first-ever Needs Based Selling system, still in use today.

His book Five Pillars of a Tremendous Life was first published in 2009 and was selected by Amway International as a Book of the Month.

David holds a BA degree from American University, a Master of Science in Financial Services and a Master of Science in Management from The American College of Financial Services, and a Master of Arts in Communication from the University of Minnesota.

He earned the AEP designation from the National Association of Estate Planners & Councils, the CLU, ChFC and CLF designations from The American College, and the Certified Financial Fiduciary designation from the National Association of Certified Financial Fiduciaries.

David taught at Middle Tennessee State University as Adjunct Professor of Business and Economics, and at Western Kentucky University as Adjunct Professor of Business and Professional Communication.

John Stevenson, a prominent wealth protection educator, has been able to help thousands of people successfully strategize for retirement. With retirees living longer and retiring earlier, having a retirement income that cannot be outlived has been a growing concern for many seniors. His clients include teachers, business owners, executives, doctors, and entrepreneurs to name a few. Not a single client has ever lost money due to market fluctuations.

John is also an expert in structuring Tax-Free Retirement Accounts, which help his clients build wealth safely, and enjoy an extremely low tax burden, or even zero taxes in retirement. His services focus on helping people Retire On Purpose, and not just leaving it to chance.

As an avid educator, John actively teaches classes on social security, estate planning, and retirement tax planning in universities and colleges throughout Nevada. He’s also a well-known Retirement & Income Radio host with thousands of listeners who tune in each week to learn from him.

John knows the importance of helping seniors and families protect against financial downturns, have income they can’t outlive, and minimize taxes. He has recently been published in numerous publications with millions of readers worldwide such as Think Advisor, Annuity.com, The Annuity Associates, Retire Village, YFS Magazine, and others.

Blessed with a beautiful wife and 5-children, John is the happiest when he is able to spend time with them. When he’s not helping seniors and families, he is with his own family, or somewhere exploring in the Sierra Nevada Mountains

Interesting Facts:

Favorite Film: Pirates Of The Caribbean

Best Joke: “Any Knock-Knock joke my kids endlessly pull on me”

Favorite Ice Cream: Cookies n’ Cream

Best life hack: Plant, Cultivate, Harvest

Scouting: Eagle Scout

Service: Served a 2-Year Mission for The Church Of Jesus Christ of Latter-Day Saints in the South Dakota Rapid City Mission

Hobbies: Hiking, Skiing/Snowboarding, Mountain Biking, Youth Mentoring

Singing: Avid singer and professionally trained by Seth Riggs (MJ’s personal coach for many years)

Family: Married 14-years with 5 children

Josh Karasow is President and CEO of Glory Financial. Since 2001, he’s been helping retirees and those nearing retirement develop plans that provide safety from market losses, tax reduction strategies, guaranteed lifetime income, social security maximization, fee avoidance… just to name a few. He’s a member of the Ed Slott Advisory Group, a Certified Financial Fiduciary and holds a National Social Security Advisor certificate. 

He and his wife Nicole have four amazing kids, Alex, Bella, Jackson and Zach. And when they’re not attending their kids’ sporting events, the Karasow family enjoys spending time together outdoors, playing games, watching movies and attending their local church.

I am a 39 year veteran of the financial services industry and have built a successful planning and investment management practice.  Previously, I spent 26 + years helping mutual fund companies, insurance companies, and money managers build and market world class investment solutions to individual and institutional investors. I graduated Cum Laude in 1983 with an MBA from Southern Illinois University and hold the designation of Certified Investment Management Analyst (CIMA®) awarded by the Wharton School of Business in Philadelphia, Pennsylvania. In addition, I am a Certified Financial Fiduciary®, bound to put your financial interests above everything else.

We are committed to providing the very best in planning and investment advice, in a way that is actionable and easy to understand.

The Financial Planning process is like a bicycle. The rear wheel is the engine which is represented by your investments and income sources, which include earnings, pension plans and Social Security. The front wheel directs the bike to where you want to go. You tell us where you want to go, and how fast you want to pedal, and we will build a solid framework to hold it all together and find the route that is right for you.  From that point forward we will continually monitor and meet with you regularly to provide status updates and make changes or adjustments to tune the bike up when needed or if your goals and objectives change.

Securities offered through Securities America, Inc. Member FINRA/SIPC

Advisory Services offered through Securities America Advisors, Inc.

Pathways Financial and Securities America are separate entities.

Jason Bleick is a wealth strategist, real estate investor, and a man on a mission to help people reduce their financial stress, and change their money mindset, so that, they can make more of an impact in the world and leave a legacy.

Jason had a wealth shock 10 years ago which was the catalyst to begin researching, studying, and trying many different financial products and strategies to eventually find low-stress and predictable ways to build wealth. Now, Jason is the owner of the financial firm Golden Rule Wealth. He is helping individuals, business owners, and real estate investors, create sane wealth strategies that are proven, predictable and tax-efficient, and unknown to the “typical” financial advisor and planner, which helps his clients reduce financial stress and take back control of their financial future.

With more than 25 years of investment and financial market experience, Tim has both traded and managed trading desks for large financial institutions and has worked with the highest-grade institutional clients from leading investment banks.

In 1994, Tim began his career trading Fixed Income and FX products at Bank of America, London. At BGC Partners, Tim ran the product range for the Interest Rate Options area across both the London and Asian markets. His teams achieved multiple Risk Magazine industry awards for innovation and excellence in interest rate derivatives. Tim is qualified as a BA (Hons) BA and a Registered Investment Advisor.

Tim founded Altior Capital with the idea to pass on his knowledge and experience of investing and wealth management to his clients. His client centered data-driven approach to wealth creation and preservation is focused on those who demand fiduciary responsibility and unbiased investing advice.