Joseph Conroy is a Certified Financial Planner(TM) professional and independent financial advisor. His articles on financial planning have been printed in various publications. He manages his independent financial planning and investment management practice near Baltimore, Maryland. He has clients in 12 states, including California, Texas and New York. Joe's practice is primarily fee based as well as has the ability to offer insurance products such as life insurance, long term care and annuities. As a fiduciary Joe takes great pride in putting his clients' best interest above all else. His passion is working closely with families, offering advice and guidance that enables them to improve their financial lives and work toward their goals.He believes the best first step toward financial improvement starts with education. Through education people can better understand why they make certain decisions with their finances. Then the process of understanding how to improve your finances can begin. When he isn't working, Joe likes to spend time with his wife and children. He also enjoys going to car shows, firing up the grill and traveling.