Objective:

To advise wealthy individuals and business owners regarding effective wealth accumulation and management, income distribution, wealth transfer and life insurance analysis.

Description of Abilities:

• Assist clients in developing meaningful objectives to aid in effective wealth accumulation, wealth accumulation transfer, and life insurance
• Have excellent listening skills
• Communicate complex concepts simply
• Develop creative, practical solutions to complex financial problems
• Possess forthrightness and integrity beyond reproach
• Utilize and refine sophisticated proprietary financial modeling software

Employment:

1982 - Present - Financial Planner with Sagemark Consulting, a division of Lincoln Financial Advisors Corp.

Associations

Member:

• Member of The Ohio Contractor's Association
• The Million Dollar Round Table* qualifier
• International Association of Certified Financial Planners
• Cleveland Association of Insurance Financial Advisors
• Premier Partners**

Education

• B.S.B.A., Youngstown State University, Magna Cum Laude, 1980, Accounting
• M.B.A., Cleveland State University, 1984
• CERTIFIED FINANCIAL PLANNER™ certification, 1986
• Ongoing attendance at local, national & international seminars

Email: Joseph.Kosek@LFG.com

Offices in Cleveland, OH and Naples, FL.

*To qualify for the Million Dollar Round Table members must meet a certain level of premium, commission or income during the year. For details please visit http://bit.ly/2eFx0ex.
**Lincoln's Premier Partners Program is an internal designation based in part on assets under management, sales and compliance criteria.