Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Northeast Financial Network is not an affiliate or subsidiary of PAS or Guardian. This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates and/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

As a board member I am responsible for working with my community to ensure the defense of our great nation should the need ever arise that we must call upon our great women and men.Guardian and its subsidiaries do not endorse or have any direct or indirect responsibility with respect to this activity.

At the New York State Comptroller, my duty was to conduct detailed performance and financial audits to ensure that New York stake holder's tax dollars were being spent efficiently, effectively, and appropriately. Through my performance audits, I aimed to improve the citizens of New York's quality of life and benefit our future generations by ensuring that the agencies met the required laws, regulations, and guidelines.

Directly assisted the managing partners on various tax and forensic accounting matters ◘ Conducted an in-depth analysis of client portfolio holdings and the potential tax implication due to the holdings◘ Analyzed financial statements in order to develop opinion reports to the partners◘ Assisted in the development of various state CPE accredited ethics program courses◘ Conducted monthly client bank reconciliations◘ Generated various forensic audit reports for a multitude of client companies◘ Promoted the firm and gathered new business through my existing contact lists

Developed and implemented strategies to recapture the prominence of the brand’s image, while directing day-to-day operations as assistant manager to the Chief Operations Officer. ◘ Directed 22 employees at headquarters and the kitchen facility—ensure effective operations and report major issues to the Chief Operations Officer and Board of Directors. ◘ Analyzed sales data in comparison to marketing efforts—recommend adjustments if not maintaining 6-1 Return on Investment goal.◘ Coordinated menu changes and marketing plans to our satellite offices in Miami and California to ensure a consistent product.KEY ACCOMPLISHMENTS★ Planned and implemented new processes and methods for managing client requests for support and assistance—increased the customer satisfaction rate from 62% to 98%.★ Developed an entirely new training program through a collaborative process with ground-level managers—created and implemented an efficient training model that increased employee morale, enhanced worker productivity, and reduced personnel requirements through cross-training.★ Applied forensic research skills to trace questionable activities within the corporate ledger, leading to the discovery that an employee was siphoning corporate funds through ghost vendors—created new internal control protocols to prevent the recurrence of similar types of fraud.★ Implemented more efficient methods for delivering the product to end-users—reduced delivery costs by 35%.★ Collaborated with the Chief Executive Officer to develop a strategy for entering the brand in the Miami market via a new licensing program with an executive chef and investor interested in our business model—produced new revenue of $1 million. ★ Built outstanding rapport with my staff who unanimously commented, “If Joe were ever to leave, we would follow him.”“Joe has stepped up and exceeded my expectations and has been an integral part of the company’s new direction” –Misha Podlog, Chief Operations Officer

Directed showroom sales for this manufacturer of women’s and girls’ cut and sew outerwear.◘ Gathered research at trade shows through interviews with trend setters and raw materials suppliers—recommended marketing approaches to secure leading position.◘ Created attractive, engaging presentations to display the brand and obtained orders from new and current vendors. KEY ACCOMPLISHMENTS★ Created innovative new product designs that increased sales by 100% over a five-month period.★ Aggressively networked to find a potential new buyer of our product line, delivered an effective sales presentation, and reached immediate agreement to display our line in 2,000 stores on a trial basis—eventually rolled out our product to 8,000 more stores, yielding $7 million in new revenue.

Conducted financial planning and analysis to help individuals, couples, and business owners pursue and achieve financial independence. ◘ Developed complex derivatives hedging strategies for high net worth clients.◘ Assisted in filing documents for a Reg D offering of preferred shares through a private placement memorandum for Chef’s Diet Acquisition Corp.◘ Participated in developing quantitative financial statement research for Chef’s Diet Acquisition Corps due-diligence meeting presentation.◘ Conducted quantitative analysis of client holdings, commissions, profit and loss, and other consolidated reports to improve client satisfaction.KEY ACCOMPLISHMENTS★ Mentored personnel to help them understand new investment products—played an instrumental role in bringing a cooperative, team-oriented spirit to a segregated work environment composed of independent contractors.★ Developed an effective options evaluation model that was disseminated to certain individual brokers, who used the model in offering alternative strategies to their clients.

Developed and maintained client portfolios in excess of $20 million with my brokerage team.◘ Obtained new accounts through effective networking and cold calling.◘ Conducted extensive research to develop new investment ideas to meet client requirements.KEY ACCOMPLISHMENTS★ Established and mentored a team of junior brokers, quickly leading each of them to promotions under my leadership. ★ Selected to address internal groups to deliver strategies on financial best practices based on high level of expertise.★ Achieved an excellent score on the FINRA Series 7 examination.