About
Retire With Joe, LLC
Retire With Joe, LLC is a retirement planning firm that is dedicated to helping our client preserve, protect and grow their hard-earned wealth. Our goal is to simplify the retirement planning process and eliminate the #1 concern for seniors, which is outliving their money. We provide you with the financial tools to help create a financial plan with a simple and easy-to-understand 3 step process.
We focus on actively managing wealth and pairing that with insurance products that can help folks be better protected from market downturns. As a “Retirement Advisor”, we are not looking to “crush the market” to provide huge returns. Retire With Joe, LLC is more focused on helping people with the retirement stage of their life, not the accumulation stage. There are 2 different types of advisors, an accumulation adviser is looking to grow and maximize returns for an individual, this requires a higher risk tolerance and can also lead to large losses. As you get closer to retirement, the plan should shift in a way that lowers the risk tolerance to help reduce large losses because they can be detrimental in someone’s retirement years. As a retirement advisor, we focus on building out a plan that protects wealth by minimizing overall risk and losses while also attempting to provide modest returns so our clients can enjoy their retirement with peace of mind
What is a Fiduciary?
Joseph Pate is licensed fiduciary, 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. As a licensed fiduciary, I have to act prudently and must diversify the investments in order to minimize the risk of large losses for our clients.
Who Is Retire With Joe?
Joseph Pate is from a suburban town just outside of Providence, RI. He is the oldest of five siblings and this helped create a foundation for his leadership and work ethic. In 2013, Joseph decided to enter the corporate world. While juggling being a college athlete, student and adviser, Joseph was able to graduate at the top of his class and earned his MBA at Salve Regina University in Newport, RI.
Aside from his educational accomplishments, Joseph established Medicare Joe ® back in 2018. Medicare Joe ® now helps thousands of Medicare beneficiaries each year with their Medicare needs. As he explains in the video, he stumbled upon the Medicare industry through assisting his grandparents with their Medicare plans. Witnessing how difficult it was for his grandparents to understand Medicare, he figured there had to be more people just like them that were having difficulty. Joseph then set out on a mission to learn all the “ins and outs” of Medicare. With the demand of seniors needing assistance with their Medicare needs, Joseph felt that he could be an asset to the senior population, and he created Medicare Joe ®.
Similarly, to how he stumbled upon the Medicare industry through his grandparents, it was his Medicare clients that led him to the Retirement Planning industry. Through countless inquiries of folks needing assistance with their retirement plan and the unfortunate horror stories of folks having to go back to work during their retirement, Joseph decided there was more he could do to help people. In 2022 he set out for advice and partnerships to assist with delivering this service to his clients. In less than 6 months he established Retire With Joe, LLC and actively holds his Series 65 license as an Investment Advisor Representative. Now, he and his team help educate folks about their financial situation through a “Portfolio X-Ray Worksheet” that is transparent, simple, and easy to understand. His team also provides a yearly review to make sure that each and every client’s Retirement Plan is in the best position.