Early in his career working as an insurance agent for AAA, he developed an appreciation for customer service working hard to service his clients. As a result he received numerous awards including the Presidents Elite Award.
In 2007, Joe founded American Retirement Solutions helping families with their elderly loved ones navigate Medicaid. In addition he began helping families with estate and retirement planning*.
In the late 1980's Joe obtained his 6 & 63 securities registration. In 2016, Joe founded American Retirement Advisors, Inc as a Registered Investment Advisory Firm and became a Fiduciary to help ensure his clients received the very best of service and accountability for their Retirement planning and strategies.
Joe draws upon his 30+ years of experience in the financial arena helping families avoid potential pitfalls in retirement so they can enjoy a comfortable retirement. Income maximization and replacement strategies are his particular forte. Joe believes it's all about distribution and preservation.
Joe resides in Lapeer County where he is involved with and supports numerous local and national charities and enjoys spending time with his immediate and large extended family and friends. In his spare time you can find him relaxing in the country with his family or trying to better his golf game, which needs help.
American Retirement Advisors, Inc., is a registered investment advisor whose mission is to provide personalized investment strategies for our clients to help them achieve their financial goals. Headquartered in beautiful rural Metamora, and with three additional locations, we provide financial planning and investment management services throughout Michigan communities on a Holistic level. We have a team of CPAs and CFPs to assist with Strategic Case design with particular awareness of income and tax efficiency. We assist our client to intelligently invest their assets to meet short and long-term needs, while looking to maintain and improve their overall financial standing. We provide full transparency and utilize both investment and insurance* solutions to achieve financial independence. We are, "Your Trusted Guide to Retirement."
Brian Roehrer
Vice President of Operations
Charlie Roehrer
Director of Operations
Allison Joslin
Marketing and Client Onboarding Manager
General Information |
| Firm Start Year: | 2006 | |
| Insurance License#: | 989857 |
| Name of Custodial Firm: | TD Ameritrade |
| States Licensed in: | 00073800 |
| Number of Years with Current Firm: | 14 |
| Work with the following types of clients: | Individual Investors, Businesses |
| Advisory Services Provided: | Financial Advice & Consulting, Investment Advice & Management, Insurance Products & Annuities, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Tax Advice and Services, Legal Advice and Services, Estate Planning & Trusts |
Services |
| Investment Types: | Actively Managed Stock and ETF portfolios. Biblically, Socially and Morally responsible Investments, Stocks, Insurance, Annuities, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Video Conference, Our Offices, Your Home, Our Office, Email, Your Office, Phone |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Long Term Care, Variable Annuity, Life, Health, Annuity, Accident, Casualty, Property |
Firm Information |
| Firm's Number of Clients: | 300 |
| Firm's Number of Planning Clients: | 200 |
| Firm's Number of Managed Clients: | 200 |
| Assets Managed by Firm: | $49,000,000 |
| Advisor's Number of Clients: | 250 |
| Advisor's Number of Managed Clients: | 200 |
| Advisor's Number of Planning Clients: | 100 |
| Assets Managed by Advisor: | $30,000,000 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Compensation Methods: | Commissions, Based on Assets |
| Fee % Based on Assets: | 1.5% ave |
| Hourly Rate: | $250 |
| Additional Details on Charges: | Fee based but no fees on fixed or fixed index annuities charged by me or my firm. |
| Minimum Fee Charged for Managed Accounts: | $250 |
| Minimum Fee Charged for Hourly Planning Accounts: | $250 |
Financial Services |
| Portfolio Management
Properly diversification for long term growth and income with preservation strategies and income implementation. Roth Conversion and tax strategies |
| Retirement Planning
Retirement income planning. Social Security Maximization strategies. Proper risk allocation and longevity strategies. |
| 401K Rollovers
Proper rollover strategies and diversification. Proficient in making sure rollovers are handled properly to maximize income and longevity. |
| Wealth Management
Looking at wealth growth and transfer strategies to minimize tax exposure. |
| Risk Management
Proper asset allocation making sure to minimize risk and maximize performance according to risk tolerance of client |
| Money Management
Many actively managed portfolios which range in just about every sector. |
Disclosures |
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WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. |
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Additional Detailed Disclosures |
Disclaimer |
| All written content on this site is for information purposes only. Opinions expressed herein are solely those of American Retirement Advisors, Inc. and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by American Retirement Advisors, Inc. a Registered Investment Advisor in the State of Michigan. Insurance products and services are offered through American Retirement Solutions, Inc. American Retirement Advisors Inc. and American Retirement Solutions are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Michigan or where otherwise legally permitted. American Retirement Advisors, Inc. American Retirement Advisors, Inc. and Joe Vitale are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Exclusive rights to this material belongs to GPS. Unauthorized use of the material is prohibited. |
Registered Investment Advisor:
Yes
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
Have a clean record
Criminal Disclosures in Last 5 years:
Have a clean record
| Mon. | 9:00 AM - 5:00 PM |
| Tue. | 9:00 AM - 5:00 PM |
| Wed. | 9:00 AM - 5:00 PM |
| Thu. | 9:00 AM - 5:00 PM |
| Fri. | 9:00 AM - 5:00 PM |
| Macomb, Oakland, Saginaw, Lapeer, Genesee, Bay and surrounding counties |
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