Hello! My name is Joe Gonzales, and I’m sick and tired of people being taken advantage of in the rigged financial world! So I’m doing something about it based off of my own personal experiences. Please see further below for my story and a little about me.
Through my website, e-Learning Center, online, and personal consultations, my mission is to help adults who feel like they’ve been taken advantage of by the financial system and just can’t get ahead. I’m going to help you keep more of your hard-earned income while taking the fear and stress out of dealing with important financial issues.
I will do this by providing tremendous value with my financial coaching and mentoring. My programs are an inexpensive, high value-add financial education process that can save you lots of money, time, frustration, and stress by simplifying things and guide you around the financial jargon and pitfalls and lead just about anyone to a fortune.
Joe & Tina Gonzales
But WHY HIRE ME?
Because I care, and I really want to help people. I can and will, and you will see why if you keep reading.
First and foremost – I’m married to my beautiful wife Tina, and we have two grown married children Dustin and Haley, and their spouses Kristin and Jeff, and one grandchild, Ryan! They are my reason for everything.
Technically speaking – I have a Finance degree with honors from Bowling Green State University (Class of 1991). I’m also a Certified Financial Education Instructor, from the National Financial Educators Council.
Professionally, I’ve spent the last 24+ years in the professional financial field. I am a graduate of a Top 20 Bank Management Associate program; followed by 22 years of corporate banking and commercial real estate finance where I worked with local clients all the way to some of the largest real estate developers in the country. I also at one point had personal signature authority for loans of up to $35 million, and have reviewed, approved, and put together hundreds of financial transactions worth billions of dollars. Blah blah blah. It’s just numbers. But I do love finance and I’m proud of hard work.
HOWEVER, that’s not why you should hire me.
The reason you should hire me is because I’ve been where you are, and that’s why I care so much. I’m just like everyone else. And I want to help people avoid the mistakes I made that were so painful.
I’ll venture to say that I’ve made more mistakes than most. I’ve suffered, and I’ve learned from it, and I’m still learning.
You see, just because I worked for a bank doesn’t mean I understood everything. Finance is a complex world, full of different traps, pitfalls, and areas of expertise.
I may have gotten a little cocky at times. And the financial world will take advantage of everyone.
They say that Money flows from dumb people to smarter people.
That’s how the rich get richer.
Because they know how to work the System, and most of us don’t.
I was dumb. I made lots of mistakes, and lost lots of money. The Dot Com crisis, the 2008 – 2010 Financial and Housing crisis, stock market panics, stock option losses, 401(k) mistakes, tax mistakes, spending habit mistakes, expensive toys, houses, cars, etc, along with all the fees and costs associated with everything. These mistakes have probably cost me well over $1,000,000. And losing that much money may be worth about $5 – $10,000,000 in terms of lost retirement nest eggs. Painful to think about.
But after my last big beating in the 2008 – 2010 era, I finally started doing something about it. I decided to sell our dream house and cars and downsize our lifestyle and start over.
I realized that no matter what I did, despite being a highly paid banker with 20+ years of experience, I still wasn’t getting ahead, and I kept losing my life savings in the stock market every 10 years! This was after I was saving, had no credit card debt, was taking advantage of company matching in my 401(k) and doing what I thought was all the right things!
It was after I quit my job and went out on my own as a Broker and as an Entrepreneur that I started to figure things out.
Instead of working for a Bank, I was now out on my own, and started seeing things from a different perspective.
The perspective of “Why are they making all the money and I’m not?”
I started delving into reading. Lots of books and self-study, seminars, documentaries, etc.
And I was figuring out how to re-build our life with my beautiful wife, who I had felt that I greatly disappointed and felt like less of a man when I lost our money.
But I’m happy to say, we’ve recovered pretty well over the last 7 years.
And I continue to learn every day.
I read. And read. And research. To avoid the same mistakes.
And because of what I have learned about myself and the importance of helping and serving others, I decided to turn pass on what I have learned to others.
I’m not a broker. I don’t work for a Bank or Insurance company.
I receive no commissions.
I’m simply a consultant and financial coach to YOU, based solely on your personal goals.
I’m your Advocate. I work for nobody but YOU.
And in this crazy financial System where everyone is taking advantage of people’s lack of financial skills and lack of financial education, you need somebody on your side to help guide you through that maize and make it easier on you.
Every second of every day Money impacts our lives.
We’re either making money or spending money every second.
It affects your relationships, your marriage, your kids, your job, your future.
Yet people decide to not deal with it.
They put their statements in a drawer and avoid talking about it.
And things just get worse that way.
Financial Mistakes, like interest, will keep compounding if we don’t deal with them.
We have to take the fear and stress out of dealing with Money.
Banks and Brokerages are FOR PROFIT institutions.
Remember what I said, Money moves from dumb to smart.
Their Objective is to make money first and foremost.
Off of people.
Think about it.
And then hire me to help you prepare for what’s coming.
It will be among your best investments ever.
I guarantee I’ll help you take the fear out of dealing with money and you’re return on investment in me will be worth hundreds of times more as you encounter things down the road of life.
There is Hope and a Plan for your Future.
Let’s Unlock it.
Partners in Success,