Joe Riordon, Financial Services Professional
Braintree, MA, Norfolk(4 Reviews)
*Registered Representative offering securities through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency
As a licensed Agent of New York Life Insurance Company I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college funding, retirement, managing costs for extended periods of care and lifetime income strategies. Please contact me to help you fully analyze your needs and recommend appropriate solutions.
I am an Agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies . Additionally, I am a Registered Representative of and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency.
My registered branch is located at 201 Jones Road, 5th Floor, Waltham, MA 02451. (781) 647-4100
Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions.
I am not licensed in all jurisdictions.
Joe Riordon, Financial Services Professional
What do you love most about your job?
Helping people is honestly what I love the most about my job. I have always been an outgoing person who enjoys other's company. Finding a career that allows me to meet a lot of new people and do a service for them that puts them and their loved ones in a better position for everything life has in store for the future is extremely rewarding. While I will admit that not all of my friends end up becoming clients, almost all of my clients end up becoming my friends.
What inspired you to start your own business?
I had spent my previous 8 year managing people. It was a position that did allow me to meet a lot of new people, which I liked. However, running an office and having between 50-75 employees at all times also made me head disciplinarian and the one who carried out terminations; that part was horrible. While I did excel in the field, and I was compensated well, I wasn't getting any younger and decided to take a chance; making a change when I was at a crossroads of taking my next step up the corporate ladder. I am so glad I took the chance as I feel like I have now found my true calling. No looking back!
Why should our clients choose you?
Clients should choose me because of who I am. I am extremely passionate about what I do and will always put my client's needs first. I never allow any kind of pressure to be brought into my meetings. I will ask my questions, get to know my prospect while they get to know me, and then offer my recommendations. I make sure my clients understand all the whys, whens, hows, and what ifs that go into every aspect of their financial plan and why I am making the recommendations that I am presenting. I am not the cute young guy or girl that is going to try to charm you into whatever makes them the highest commission. No, I am the 37 year old fat guy that works his butt off to make sure everything you want to happen, happens. That every step I am leading you down, is the step you should be taking. I also offer 24/7 availability to all of my clients because I feel the planning we do together is of the utmost importance.
The ground level of any solid financial plan is protecting your family's sources of income in case of the loss of a provider of the household income. My process offers the opportunity to dig a bit deeper into what exactly you, or your spouse and you, would want to have covered in the case of said tragedy. Would you want your mortgage paid off? Funds available for child care so the surviving spouse could continue to work? Would it affect your plans for your children's education? Estate taxes? Spouse's retirement income? Charitable donation? Everyone's plan is different.
If you purchase a home with someone, you are usually entering at least a 30 year term where you will be responsible for the payments. What would happen the other party or parties if your income was no longer being provided? It's a good idea to get protection for your newfound debt!
When you leave a job, do you leave your assets behind? Most people take everything right down to their beloved staplers. Why on earth would you take the stapler and leave savings? A rollover is usually going to be your best option but I would love to review with you, find out, and explore your options.
A lot of people are just contributing to their company sponsored retirement programs with no real plan. When can you retire? How much will you need? When do you have to start taking your distributions? When would be the best time for you to start taking your social security benefits? Are you currently paying too much in fees? Getting the return you should be on your investments? What risks should you be worried about? I can help
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