About RetirePoint Financial
At RetirePoint Financial, we help individuals and families preserve their wealth, optimize their investments, and create sustainable retirement income through comprehensive financial planning. We believe successful retirement planning is about more than simply growing your money. It’s about making smarter financial decisions, protecting what you’ve worked a lifetime to build, and ensuring your wealth continues working for you throughout retirement. Through our simple three-step planning process, we bring every aspect of your financial life together into one coordinated retirement strategy
Our goal is simple: Help you make the most of what you’ve built so you can enjoy retirement with clarity, confidence, and peace of mind.
Meet Joseph J. Pate, MBA
Founder & Retirement Advisor | RetirePoint Financial
Joseph Pate grew up in a suburban town just outside Providence, Rhode Island. As the oldest of five siblings, he developed a strong foundation in leadership, responsibility, and work ethic from an early age. While balancing the demands of being a collegiate athlete, student, and financial advisor, Joseph graduated at the top of his class and earned his MBA from Salve Regina University in Newport, Rhode Island.
In 2018, Joseph founded Medicare Joe®, inspired by his personal experience helping his grandparents navigate the complexities of Medicare. What began as a desire to help his own family has grown into a nationally recognized Medicare agency assisting thousands of beneficiaries each year.
It was through those same Medicare clients that Joseph discovered another significant need: retirement planning. After hearing countless concerns about outliving retirement savings, navigating market volatility, and even stories of retirees being forced back into the workforce, Joseph recognized an opportunity to make a greater impact.
In 2022, he began expanding his expertise and building strategic partnerships to offer comprehensive retirement planning services. This ultimately led to the establishment of RetirePoint Financial, a firm dedicated to helping individuals and families protect their wealth, create sustainable retirement income, and optimize their investments for long-term growth. Today, Joseph and his team take a holistic approach to retirement planning, incorporating investment management, income strategies, tax efficiency, long-term care considerations, and estate and legacy planning.
Through a simple, transparent three-step planning process, RetirePoint Financial helps clients better understand their financial picture, identify opportunities for improvement, and implement personalized retirement strategies.
Joseph believes retirement planning isn't a one-time event. That's why his team emphasizes ongoing relationships and annual reviews to help ensure each client's financial strategy continues to align with their evolving needs and goals.
His philosophy is simple: Protect what you've built. Secure the income you need. Grow for the future.
Meet Our Team
What Does It Mean to Be Held to a Fiduciary Standard?
Joseph Pate is held to a fiduciary standard, which means that we have to act in the best interest of our clients. Through Retire With Joe, LLC we do this in a number of ways through Retirement Planning, Money Management, Social Security Planning and Asset Protection. To uphold the fiduciary standard, I have to act prudently and must diversify the investments in order to minimize the risk of large losses for our clients.