Joe Carbo is a trusted financial advocate who has been educating individuals on the accumulation, preservation and distribution of their assets for nearly 20 years. As a Financial Consultant at HVFCU Financial Services, Joe is experienced in Portfolio Review, Retirement Planning, Investment Planning, Taxation, Insurance and Estate Planning for individuals and businesses in the Hudson Valley.
His mission is to offer members personalized options that allow them to make informed financial decisions. Joe has appeared as a featured guest speaker on “Meet the Leaders,” a well known local cable show, to discuss a range of financial planning topics. In addition to meeting personally with members, Joe also conducts a number of free, educational seminars and workshops on timely topics such as Social Security–More Than Meets the Eye, The Road to Recovery, Retirementology, and Estate Planning.
Joe was chosen as a Five Star Wealth Manager in 2011 and 2012 for the Hudson Valley Region. This select group of wealth managers was identified for being exceptional in both their ability and their commitment to overall satisfaction. Fewer than seven percent of the 4,700 wealth managers in the Hudson Valley area were selected.1
Joe has earned the designation of CERTIFIED FINANCIAL PLANNER,™ which required completing a rigorous 2-year course and passing the national exam. CFP® professionals must meet the Financial Planners Standards Council standards in education, experience, examination and ethics. CFP® professionals must also have 30 hours of continuing education every year and agree to abide by the CFP® Code of Ethics to renew their right to use the credential annually. He is also certified by the New York State Insurance Department as an approved Long Term Care and Life Insurance professional.
Joe resides in Wappinger Falls with his wife and children. He has been active with many community organizations, most recently as coach for the Town of Wappinger Falls Intramural Soccer and Instructional Baseball Leagues.
1 The Five Star Wealth Manager is an award based on client satisfaction. Respondents evaluate criteria such as customer service, expertise, value for fee charge and overall satisfaction. The overall score is based on an average of all respondents and may not be representative of any one client’s experience.
Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA /SIPC. Insurance products offered through LPL financial or its licensed affiliates. Hudson Valley Federal Credit Union and HVFCU Financial Services are not registered broker/dealers and are not affiliated with LPL Financial.
LPL Financial representatives offer access to trust services through The Private Trust Company N.A, an affiliate of LPL Financial.