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Joseph N Vitale
American Retirement Advisors

Tel: 855-756-5700
3778 S. Lapeer Rd
Metamora, MI 48455
American Retirement Advisors | Financial Advisor in Metamora ,MI

A Trusted Guide for Your Retirement



About Joseph N Vitale

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.


About American Retirement Advisors

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."

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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:   Businesses, Individual Investors
Advisory Services Provided:   Investment Advice & Management, Financial Advice & Consulting, 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, Via Email, Your Office, Via 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.


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.

Compliance

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


Office Hours

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

Communities Served

Macomb, Oakland, Saginaw, Lapeer, Genesee, Bay and surrounding counties

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