What is Joule Financial?
Joule Financial is a fee-only retirement & financial planning firm servicing clients all throughout the United States. We act as a fiduciary investment advisor and do not market nor sell any commissionable products. We assist clients to identify, plan and reach their financial and retirement goals.
Regardless of where you may be located, we would love the opportunity to connect and learn more about your situation. Whether you are getting started on a path toward wealth development or need complex retirement planning with a tax-efficient income withdrawal strategy, chances are we’ve worked with clients in a similar situation.
Our initial consultations are free and have no obligation. Our time together will allow us to get to know you as you get to know us. If there is a mutual desire to move forward, we would then proceed with our plan development phase, followed by plan implementation with continued service and maintenance.
Quint Tatro, MD/ CIO is a third generation financier and began in the business in 2000. He is an adjunct professor of finance at the University of Kentucky as well as a Community Advisor for the UK $2B endowment. Quint is an active contributor to CNBC and has appeared on Fox Business and Bloomberg. Quint resides in Jessamine County with his wife and three sons.
Daniel Czulno CFP, MD/COO leads Joule’s financial planning and operations. Coming from a background in both business and non-profit sectors he also stays regularly involved in serving the local community. Outside of work, when not spending time with his wife and two sons, Daniel is regularly found cycling or planning his next adventure.
Linda Withers has been with Joule for over 12 years working in the client relations department. With a degree in Social Work along with over 20 years of business management experience, Linda has helped to assist with client needs on every level. Linda spends free time with her husband Breck, in the outdoors, travelling and loves the time she spends with her 5 (and counting) grand kids.
Mark Hendrix is a 26-year veteran of the financial services field. He has a strong background in assisting small business owners and individuals in business succession and retirement planning. In his spare time, he enjoys traveling with his wife, hiking, golf, and reading. He gives back to the community through involvement in his local church.
Logan Gilland Jr. Advisor – Logan joined Joule in 2020. He enjoys making regular appearances on local radio and TD Ameritrade Network. Coming from a family of small business owners, Logan loves working with small business clients, as well as clients in Joule’s Wealth Development Program. Outside of the office, you will likely find Logan spending time with his wife, attending a UK sporting event, or cooking for friends and family.
Allie Howard, CPA, MBA is a Wilmore native and the newest member of Joule, after working in tax accounting for two years post-grad. She is passionate about teaching others how to plan effectively and be disciplined to achieve their personal and financial goals. In her free time, she enjoys hiking, camping, rock climbing, playing her guitar, and traveling with friends.
Before doing anything we’d like to get to know you and your current situation. Each individual or family has unique goals, objectives and expectations and we want to ensure there is a ‘fit’ when it comes to moving forward with any comprehensive planning process. This informal discussion can take place in our office or via Zoom and there is no obligation. We’re happy to answer any and all questions you may have about our firm or process and we’d love to get to know you better as well. Please reach out to us HERE and someone on our staff will promptly reply to schedule either an in-person meeting or via Zoom.
Should you desire to become a client of ours, we would follow the steps outlined below.
1. Fact Finding
The first step in this process is a bit of homework on the part of the client as we seek to gather all pertinent information regarding your current financial status, future financial goals, retirement objectives, life goals, etc. Using a comprehensive questionnaire, we seek to gain significant information to assist us in the plan development process.
2. Initial Plan Development
With this information we begin to layout the initial workings of a comprehensive financial and retirement plan. Inevitably, this step requires additional information and clarification from the client while we continue to gather any and all information needed. Typically, during this step we begin transferring investment or retirement accounts that will come under our care.
3. Plan Completion and Recommendations
Once the initial plan has been completed our team meets and discusses you and you alone. Utilizing all information gathered and running multiple scenarios, taking into consideration such variables as inflation, health care expenses, market volatility, social security, etc. we begin to develop an overall action plan including recommendations to meet or improve on goals and objectives.
4. Plan Presentation
In person or via Zoom we come back together to discuss the plan reviewing the work we’ve done and going through the detailed and descriptive steps to ensure success. During this step we review any and suggest changes that may impact budgeting, savings rates, retirement dates, social security withdraw dates, tax and estate planning. We will also review investment allocations seeking to optimize all accounts such that they correlate with a clients objectives, risk tolerance and risk temperament.
5. Plan Implementation and Dynamic Updates
Once the presentation is complete we will seek to follow an action plan with detailed steps. The planning process never really ends so it will be important to discuss any changes required on an ongoing basis. Our comprehensive plans are dynamic in that they can be changed and updated at any time to reflect any life changes that may occur. As a client of ours we want to always remain confident we’re making wise decision based on objective models not emotional feelings.
6. Ongoing Communication / Client Relationship
There’s a reason we continue to grow and take market share from the behemoth brokerage firms, and it comes down to service. Sadly, many firms lose sight of their clients once they’ve begun working together. Maybe this has already happened to you. At Joule Financial, we believe one of our competitive advantages is our disciplined communication approach. On a quarterly basis, at least, one of our client relations team members will reach out to you to touch base and see how things are going. While we’re continually reviewing plans and watching investment accounts daily, it is still important for us to reach out and make sure you’re being taken care of at all times. Should a need arise that requires a chat with Quint, Daniel or another person on our team, this will be arranged promptly. In addition to our ongoing communication, we will frequently articulate our thoughts through e-mail communication. These emails often reflect a transparent view of our methodologies, opinions or insights. Have you joined our email list yet? If not, you should consider this and can do so below.
7. Annual Updates/Plan Revisions/Meetings
At least annually and more frequently if necessary, we will meet with you to review your financial and retirement plan, discuss any changes or updates as well as review investment portfolios and allocations. Since our fee structure is aligned with our success, it is imperative for us to ensure we are providing exceptional service and communication for a relationship that should last a lifetime.
Ready to schedule a meeting?
Meetings are informal and confidential. We are looking for clients who will be partners – building a relationship based on mutual respect. We would like to get to know you just as much as you would like to learn more about us.