After our son was born, my spouse and I decided to purchase individual disability insurance. We are very fortunate to have worked with Joe. He took the time to understand our financial picture and goals. As an independent agent, Joe was able to find the carrier that offered that product that was best for us. Disability insurance is a very complex product that includes many provisions and options that determine the strength of the coverage. He took the time to explain the coverage that was available to us so that we could make an informed decision. I told Joe that we needed to have the policies in force by open enrollment so that we could decline the group coverage offered by our employer. Joe checked in with the carrier regularly about the status of the underwriting and quickly informed us if they had questions or needed additional information. The policies were in force prior to open enrollment. His level of professionalism is rare. We recommend him to anyone who needs insurance.