Joe joined IOA in 1997 and was a driving force in the establishment of the first branch office. Joe holds a CIC designation (Certified Insurance Counselor) and is a Certified RiskScore® Consultant and is instrumental in the review and handling of IOA’s Errors & Omissions coverage. With over 30 years experience, he consults with executives from variety of fields on a regular basis. He provides insight and assistance utilizing sound risk management techniques to avoid or minimize exposures to loss while at the same time trying to help clients improve their bottom line. Joe lives in southern New Jersey with his wonderful wife Jackie of many years. They have 4 children in addition to 2 new grand-children! On the weekends if he’s not playing with his grand- children, you can find Joe sitting back playing his guitar or listening to a vintage vinyl record from his collection.