Personal Financial Planning (E1605229)

With over 10 years of experience in financial services, Joe takes great pride in providing expert advice to individuals regarding their life, disability income and long term care insurances.  Joe provides comprehensive planning to a wide variety of clients including, medical professionals, corporate executives and private business owners.  In this complex and fast-changing financial landscape, Joe believes in providing ongoing education to his clients, keeping them well-informed and prepared for life’s sudden changes.

Where insurance planning is a sprint, wealth accumulation and retirement planning is a marathon that takes both discipline and endurance.  Joe believes a successful financial plan is built on a strong foundation of protection through life, disability and long-term care insurance planning.

From start-ups to growth and maturity, and eventually the business sale, Joe enjoys helping privately held businesses in all the stages.  His advice includes properly drafted and funded buy-sell agreements, key employee retention, pension planning to reduce income taxes and business succession planning.

Joe earned his Bachelors of Science in Economics from the University of Pennsylvania’s prestigious Wharton School of Business.  He holds the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations.  Joe is constantly advancing his education in insurance and financial planning and is currently pursuing his Certified Financial Planner (CFP) designation.  He enjoys providing seminars to business owners and has conducted continuing education seminars for CPAs and other professionals.  Joe maintains his life and health insurance license with several states.

Currently a Board Member for the Wharton Club of New Jersey, Joe is also Chairman of the Wharton Leads Council and Trustee of his homeowner’s association.  Past leadership roles include, Chairman of the Young Professionals Group of Greater Monmouth Chamber of Commerce, Past-President of Business Networking International group and has served on several non-profit committees.  Joe enjoys golf, football, reading and outdoor activities with his wife and three children.

Mr. Gilmore has more than seventeen years of experience with broker - dealer and investment advisory regulatory, compliance and arbitration matters. As a former investigative attorney with the New Jersey Bureau of Securities, Mr. Gilmore investigated and assisted in the prosecution of numerous individuals in violation of New Jersey's Uniform Securities Law. Such cases included Ponzi schemes, unregistered securities and other securities registrations by the State of New Jersey. While practicing with a major New Jersey law firm, Mr. Gilmore successfully represented many individuals in FINRA securities arbitration matters. Such representations included claims of unsuitability, churning, registration and other securities violations. Mr. Gilmore also formed and registered SEC and state investment advisory firms and counseled on compliance and regulatory matters. As a former compliance attorney with Goldman Sachs & Co., and Morgan Stanley, INC. , Mr. Gilmore has extensive experience in brokerage and advisory firm compliance and supervisory practices. In this capacity, Mr. Gilmore has led internal investigations regarding sales practice issues which resulted in disciplinary actions. Currently, Mr. Gilmore represents numerous SEC and state registered investment advisory firms and broker-dealers with regard to various supervisory and compliance matters. Mr. Gilmore routinely represents clients in regulatory matters (inquires, enforcement et al) before FINRA, the SEC and New Jersey. Mr Gilmore graduated from Dickinson College in 1989 with a B.A. in Economics and received his Juris Doctorate from Rutgers University School of Law (1997). Mr. Gilmore is a Registered Principal with FINRA (Series 7,9,10,23,53 & 66 registrations) and licensed to practice law in New Jersey and Pennsylvania.