Achieve the Stress-Free Retirement of Your Dreams!

“I wish I had read this book ten years ago, it would have saved me from some costly mistakes. It’s essential reading for anyone nearing or already in retirement. The way it breaks down overlooked planning areas really opened my eyes, especially around overcommitting to real estate. While real estate can look attractive upfront, the book helped me see that a diversified portfolio and structured financial plan are often more powerful long-term.
More than anything, it reminded me why I’ve stuck with Joe for nearly two decades. Banks may offer a flashy CD rate, but turnover is constant. With Joe, the relationship is steady, the advice is thoughtful and custom, and the focus is always on the big picture.”
Frank B.

“Joe’s new book is grounded, practical, and full of lessons people need, especially when they’re feeling financial pressure. I really connected with the idea that ‘Desperate people do desperate things,’ because it’s true: emotional decisions can derail long-term plans. Joe drives home the importance of staying diversified, disciplined, and focused on companies that bounce back over time.
One of my favorite parts of the book was the section on compound interest. It reminded me of my own experience, investing a lump sum years ago that quietly grew into something meaningful for my child’s education. The retirement calculator Joe includes is a great tool, and I actually encouraged him to go even further in the next edition with a glossary, resource index, and more calculators. This book isn’t just smart, it’s user-friendly, and I’ll definitely be passing it along.”
Jim L.

“Joseph’s book is a quick and engaging read, and its strength lies in the personal stories and practical insights woven throughout. The message is rooted in long-term planning, emotional discipline, and thoughtful perspective and it resonates deeply, especially in today’s volatile media and political environment.
I couldn’t help but think of a friend who panicked during the early days of the new administration and moved his entire retirement portfolio into CDs. If he had read this book, I suspect he would’ve made a far better decision. Joseph makes a strong case for filtering out the noise, staying focused on your plan, and avoiding reactionary moves that can derail long-term goals.
Having worked alongside business journalists who were genuinely trying to explain a complex world, I might offer a gentler view of financial media. But Joseph is correct when he suggests that a lot of the anxiety that drives bad decision making can be laid at the feet of sensationalists who do real damage. His prescription, take a steady, big-picture approach — is exactly what investors need to hear. He delivers this message clearly and credibly, with real-world stories and a focus on fundamentals that truly matter.”
Jerry S..

“Joe’s book was not only helpful, it was eye-opening. The chapters on trust and fiduciary responsibility made it clear how important it is to work with an advisor who puts your interests first. Chapter 9 especially stuck with me. It explains the difference between someone doing this job just to earn a living and someone who is truly committed to the client’s long-term success.
One question the book raised that really resonated: can an advisor who’s under financial stress truly act in your best interest? Joe doesn’t shy away from that tough topic, and his real-life examples made the point hit home. After reading Chapters 8–10, I honestly think many people will go back and ask their own advisors some serious questions.
I’m grateful to be working with someone I trust. Joe’s fees are fair, and the relationship feels solid. I’d recommend this book, and Joe, to anyone approaching retirement who wants a thoughtful, transparent advisor.”
Jim C.

“I’m loving the education I’ve been getting, I just wish I had access to it years ago. What stood out most to me was how much trust matters in a financial relationship. The ‘money memories’ and ‘three questions’ exercises were especially helpful for me. I was struggling with setting clear goals at first, and those conversations helped me get focused and clear about what I truly want. Honestly, this should be required learning, not just for people my age, but for the next generation. I’d love to see this kind of guidance reach more young people too.”
Tilly

“This is an excellent book. I think anyone going into retirement or investing should have a copy — there’s a lot of valuable information in it. I plan to go back and review parts again. I would definitely recommend that Joe keeps writing. Anyone trying to get their financial situation in order needs someone like Joe in charge to help them. I honestly don’t know what I would’ve done without him. He’s been a huge help since my husband passed away — truly a lifesaver for me.”
Jinny W.

“Joe’s book is an easy, conversational read with something in it for everyone. I like that he contrasts what a great advisor does with the pitfalls of working with the wrong kind. The real-life examples and straightforward explanations make it clear why having a trustworthy financial advisor matters — and how the right one can make all the difference in retirement planning.”
Bob S.

“From the moment we met Joe, I knew he was exactly what we needed. He’s not only a trusted advisor, but someone who genuinely cares about our lives and our future. After my husband and I retired, we didn’t have a real plan—we had spent freely on cars and vacations without thinking about long-term finances. Joe helped us turn it all around. He guided us through every step—selling our house, diversifying wisely, creating income—and made us feel confident and taken care of. I completely trust him to handle everything, especially as we get older and things become more overwhelming.
His book is a true reflection of how he works—clear, easy to understand, and filled with meaningful guidance. I read it and thought, ‘What a great choice we made in Joe.’ It explains things in a way anyone can grasp, and I plan to read parts of it again. I even want to share it with my grandson, who’s starting a career in finance, because it lays out the kind of values and strategy that really work.
Joe is my financial life-saver. I tell everyone: if you’re heading into retirement or just need real guidance, you need someone like Joe. I don’t know what I’d do without him.”
Beverly S.

“Joe’s book reinforced something I’ve always believed—you need someone you can trust with your financial future. From day one, Joe focused on understanding our goals for the next 20+ years, not on moving money around. That approach made us feel confident and comfortable every step of the way.”