Joel has spent 25 years in and as a business founder, broker, agency, financial services and credit union management. He is engaged by large employers (both public and private) to navigate their business and organized employees through health care and business objectives. Joel’s particular skill set comes from years as an engineer where details and perfection matter. An example: working with public employers and unions balancing the benefit vs cost pendulum and designing benefit programs to fit business goals and objectives both short and long. Current business environment has both employers knowing how important benefits are to their employees and the employees understanding the cost of those benefits. Joel helps them bring the two together and procures the optimum holistic benefits product package to suit.

As the Chief Benefits Officer my current expertise transfers to help people work through stress and anxiety and excel at their jobs and LIFE. re learn how to cope with anxiety. Help employers SAVE money when it come to health insurance, absenteeism and better yet presenteeism.That experience includes over two decades in the insurance and health benefit industry. Areas of expertise include: wellness benefits, cost management, strategic planning, government relations, contract negotiations, and operational guidance.

OneDigital Health and Benefits, Headquartered in Atlanta, with 85 offices Nationwide. OneDigital has over 2000 employees throughout the country, serves 50,000 clients and manages over $4.5 billion in premiums. OneDigital has been named to the Inc. 5000 List of America’s fastest-growing companies every year since 2007.

Kistler Tiffany Benefits was built on the foundation of customer intimacy. We work hand-in-hand with our clients to find long-term strategies and sustainable solutions that control costs. KTB understands the importance employers and employees place on affordable, valuable benefits packages. To achieve this, we offer a full-service, robust health program for our clients comprised of personalized services to target specific individual needs, a results-oriented wellness strategy, health advocacy services to navigate complex health issues, and a communication strategy to provide a clear understanding of the services available. See more at www.ktbenefits.com

Joined ABCO to found the insurance and financial services CUSO, fortunate to be involved with many aspects of ABCO through branch integration to member and SEG marketing. Reporting to and advising the CEO and President of ABCO has provided the opportunity of involvement business strategy, writing policy, marketing, investment direction, loan generation, SEG development, business services, governmental unit deposit initiation, new location strategy and community involvement.ABCO Federal Credit Union is a $220+ million regional financial institution, serving 36,000+ members with 85 employees and nine branch locations in southern New Jersey. ABCO serves the financial needs of the members with our branch and online capabilities under the ideals of the credit union movement. Examples of CUSO services: Member/Individual Services: Health, IRA’s, 403b, Loans, Accounts, Life, Disability, Long-Term Care, Auto, Homeowners, Renters, Umbrella, Identify Theft, Discount Cards, Pet Coverage and much more...Business Services: Retirement Products, Investment Options, Business Services, Insurances: Health (medical, prescription, and dental), Life, Disability, Business Insurance (liability and property), Identify Theft, Union Negotiations, HR Services and much more...Notable Achievements: - Developing the CUSO into a financial and insurance services division of ABCO, adding a full sales and service staff - Broker Dealer review and transition - Expansion on product base and increase sales to members through marketing and point of sale deployment - Researching vendors and methods to further increase “outside” revenue for the credit union - Managing the operations financing through income and spending - Growing the credit union membership through business member escalation and member service

EBCON Insurance Group, LLC, also trading as CU Insurance Services Group, became an ABCO Federal Credit Union Affiliate/CUSO in 2007 and wholly owned by ABCO in 2009.Check us out at www.goabco.org . We provide insurance and financial solutions to both ABCO members and general public, both in the individual and group arena's. These solutions range from health, auto, pet, life and disability insurance to business risk, 403b and other financial options, payroll and HR services.