Joseph S. Kosek, CFP®



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


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



  • 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**


  • 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


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
**Lincoln's Premier Partners Program is an internal designation based in part on assets under management, sales and compliance criteria.