Joel specializes in comprehensive financial planning which addresses each area of one’s financial situation. Joel began his financial advisor career and working with clients in 2003. In 2006 he earned his CHARTERED RETIREMENT PLANNING COUNSELOR CRPC® a designation focusing on retirement planning. Later that year he came on with Focus Financial where he began working as an independent advisor and working closely with partner of the firm Dave Heitkamp. In 2009, he opened his Focus Financial branch office where he manages his advisor team and continues to work with Dave. Joel earned his CERTIFIED FINANCIAL PLANNERTM designation in 2011.
College – Joel graduated from Minnesota State University in Mankato in 2003 with a degree in Mathematics.
Interests – In his spare time Joel enjoys outdoor activities, coaching high school wrestling, going to Twins games and spending time with his wife Sarah and Siamese cat Blue.
Services & Client Experience:
My Approach – My goal with every client is to understand their financial situation and learn what areas are most important to them. When doing comprehensive financial planning we address six areas:
Budget/ Debt Planning – Analyze income and expenses and look for ways to improve.
Protection Planning – First address the events that could cause financial catastrophe. Then review the coverage’s and premiums you have with your employer benefits and other personal coverage’s.
Investment Planning – Manage your money by determining an investment strategy that will best fit your time frame, risk tolerance and future goals.
Tax Planning – Review your ongoing tax bill and how your investments are taxed today and in the future.
Retirement Planning – Outline strategies to help meet your long term goals by guiding you through your company retirement plan and other investments.
Estate Planning – Passing your assets efficiently to the beneficiaries you want.