As a Registered Financial Consultant, Joseph has been assisting retirees, families and business owners with planning for the future and protection their loved ones and their assets for over 20 years.  Using a consultative low-pressure approach, he educates his clients about their options and allow them to make educated decisions that will provide financial stability and protection for themselves and their loved ones.  Joseph’s goal is to empower his clients to make the best choice possible.  He looks forward to assisting you too.

I’m passionate about helping individuals and families gain more clarity and confidence around retirement and their financial future.

I believe many people work hard, save responsibly, and still quietly wonder whether they’re truly on the right path financially. That’s why I value honest conversations, education, and helping people better understand their options in a simple, approachable way.

My focus is on helping clients feel less overwhelmed and more confident when it comes to retirement planning, income strategies, and long-term financial clarity.

Outside of work, I enjoy creating content, connecting with people, and spending time with family and friends. I believe trust, authenticity, and strong relationships are at the center of everything meaningful… both personally and professionally.

I’m a Retirement Income Specialist focused on turning years of hard-earned savings into a steady, reliable paycheck you can truly feel confident about. Retirement should be about peace of mind, freedom, and enjoying life, not worrying about income or unexpected expenses. That’s why I take an integrated approach, aligning income planning with Medicare guidance when needed, so every piece works together seamlessly. Whether it’s optimizing a 401k, creating guaranteed income through annuities or helping you avoid unnecessary Medicare premium increases, my goal is to make complex decisions feel simple, clear, and aligned with what matters most to you.

At the core of my work is helping people feel secure in a stage of life that can otherwise feel uncertain. Income sustainability and healthcare costs are two of the biggest concerns retirees face and when they aren’t coordinated, they can lead to stress and costly mistakes. By bringing these elements together, I help you make confident decisions, avoid surprises, and stay in control of both your finances and your well-being. The goal is for you to feel at ease knowing you’re properly covered, well-prepared, and free to fully enjoy the retirement you’ve worked so hard to achieve.

Over the past four years, Joe has focused exclusively on helping clients reduce tax exposure, protect what they’ve built, and maximize the wealth they retain through advanced market strategies. His areas of specialization include estate planning strategies, insurance design, advanced markets, and comprehensive wealth protection and growth. Whether advising a business owner on succession planning and key-person coverage or helping a family structure a multigenerational legacy plan, Joe integrates risk management, retirement income strategy, and tax-aware wealth transfer into coordinated, real-world solutions.

As a father of a 20-year-old son, Joe has deeply valued watching him grow and step into adulthood. That personal perspective reinforces his commitment to thoughtful, long-term planning and building strategies designed to create stability and opportunity for the future.

Jim Komoroski specializes in retirement income planning and inherited IRA strategies, helping clients turn savings into predictable, tax-efficient income. With over 25 years in financial services, he integrates Social Security, Medicare, and annuity planning to reduce risk and create clarity during key retirement transitions. Having worked directly for insurance carriers, Jim brings an inside perspective to product design and pricing. Now operating independently to deliver truly unbiased, client-first guidance. He also works closely with individuals navigating IRMAA surchages, focusing on distribution strategies and tax efficiency. Based in Michigan, Jim supports Forgotten Harvest, enjoys golf, travel, Detroit sports and time with his wife Lisa and their two dogs.

As a Retirement Income Specialist with 25 years of experience, Hayes enjoys educating folks 55 years of age and up on the importance of transitioning from the “Accumulation” mindset to the “Preservation & Distribution” phase of their money, with the goal of setting his clientele up for a stable, secure and enjoyable retirement. To help you achieve this, he’ll show you how to set up “pension-style” guaranteed income streams in retirement that you cannot outlive, how to maintain proper Risk On / Risk Off balance in your portfolio with an emphasis on protecting your hard-earned dollars from market volatility. For those who have more retirement income than they’ll ever need, are concerned about Required Minimum Distributions and want their family, not the IRS, to benefit most from their 401ks and IRAs, ….Hayes will share with you a powerful and well-guarded Roth IRA conversion strategy that takes the “sting” out of the conversion taxes and leaves more of your wealth behind for your family! Hayes earned a Bachelor’s Degree in Business Management from The University of Memphis and is a committed husband to his bride, Julie, and Dad to their son, Jesse, and enjoys cooking, playing tennis and going for walks in the woods.

Ruth Slingo is dedicated to helping individuals and families create secure, confident financial futures through thoughtful, personalized strategies. As a mother of four, she values relationships and understands the importance of protecting what matters most. Ruth takes the time to listen, educate, and guide each client toward solutions that align with their unique goals…whether that means preparing for retirement, optimizing income strategies, or preserving long-term financial stability. With a background rooted in care and integrity, she brings genuine energy and commitment to every client interaction, ensuring each plan reflects both financial wisdom and personal purpose.

I worked forty years in the retail automotive industry, the last thirty as an Executive Manager. As I was approaching retirement I realized that I was woefully underprepared to maintain my current lifestyle.I pivoted careers to become a retirement income specialist so that I could help others avoid the situation that I was in. Helping people achieve their retirement goals is truly rewarding.