Financial Clarity For
Wine & Spirits Professionals
Wine & Spirits Professionals Have A Lot Of Work To Do.
When they need advice on their finances, taxes, and wealth, they speak to Joe Stephens, The Wine Industry Advisor
Meet Joe
The Wine Industry Advisor
Joe grew up immersed in the world of Wine & Spirits, helping run the family store, Gerard's, since 2008.
That background gives him something most financial advisors don't have - a genuine understanding of your industry.
Joe knows that managing money is one of the biggest challenges for wine & spirits professionals. His mission is simple: to help you organize your finances, cut through the confusion, and build real, lasting wealth.
As a Certified Sommelier, Joe knows your world firsthand - and understands the expertise and dedication it takes to run a quality operation.
As a Certified Financial Planner™ (CFP®), Joe is held to a fiduciary standard, meaning he is always legally and ethically required to put your best interests first - no exceptions.
Joe serves on the board of NAIFA-New Jersey, reflecting his commitment to raising the bar for financial advisors across the state.
He is also a Certified Flight Instructor and Commercial Pilot — a background that has trained him to follow disciplined, proven processes and make sound decisions under pressure, even when the stakes are high.
A Proud Member:
Contact Joe
When they need advice on their finances, taxes go to Joe Stephens.
The Wine Industry Advisor
ABOUT BROKERSBLOC
Helping Brokers Win More Deals & Provide Better Plans
At BrokersBloc, we specialize in helping independent insurance brokers stand out by offering cost-effective, high-quality healthcare plans.
We work directly with top-tier carriers to provide fast quotes, competitive rates, and creative benefits solutions that help brokers win more clients and grow their businesses.
OUR MISSION
Empowering Brokers to Deliver Exceptional Value
At BrokersBloc, our mission is simple: to help independent insurance brokers thrive in a competitive market.
By leveraging non-BUCA carriers, A-rated reinsurers, and innovative solutions, we empower brokers to deliver unmatched value to their clients while growing their businesses.
You’re Just One Call Away From a Better Brokerage Experience
How Joe Helps You
Investments
Mutual Funds
Annuities
- Variable
- Fixed
- Equity IndexedManaged Accounts
529 and College Savings
Stocks, Bonds, etc.
REIT's, UIT's, ETF, etc.Custom Portfolio Management
Investment Advisory Services
Insurance
Life
Long Term Care
Disability
Health
Annuities
Retirement
Retirement Income Planning
Surviving Spouse Income Planning
IRA/Roth IRA
403B/401K
SEP/Simple IRA
Annuities (when appropriate)
Profit Sharing Plans/ESOP/employee stock plans
Early Retirement Strategizing
Advanced Planning
Estate Planning
Business Planning
Generaltional & Family Planning
Tax Planning*
College Planning
Retirement Planning (surviving spouse)
Elder Care/Long Term Care Planning
GROUP BENEFITS CONSULTANT
This is the first time I’ve felt like a broker and a business owner
Join our exclusive webinar and learn how you can leverage non-BUCA carriers to provide significant
cost savings and unmatched benefits to your clients.
HEALTH PLAN SPECIALIST
“I closed deals I didn’t think I could touch
They gave me access to creative plan designs and networks that my competitors didn’t even know existed. That changed everything. I landed two new groups just by offering something different — and better."
cost savings and unmatched benefits to your clients.
KANSAS CITY HEALTH BROKER
“I finally feel respected in this business.”
"Most carriers just treat us like a line item — no real relationship, no real help. BrokersBloc flipped that completely. They respond fast, explain everything clearly, and treat me like a key player. That respect has re-energized how I show up for my clients."
HOW IT WORKS
Here's what it is like working with Joe Stephens
STEP 1
Intro Call
We start with a simple conversation to understand your needs and goals. You share what you're looking for, and Joe asks the right questions to see how he can help.
STEP 2
Deep Dive
If we're a good fit, Joe takes a thorough look at your full financial picture - income, assets, goals, and challenges - so nothing gets overlooked.
STEP 3
Clarity, Organization & Recommendations
Joe presents a clear financial plan with straightforward recommendations and a road map for the year ahead. No jargon, no confusion - just a plan that makes sense for you.
STEP 4
Ongoing Advice, Planning & Monitoring
Joe stays proactively engaged — regularly reviewing your plan and investments, keeping you on track, and adjusting as your life and goals evolve.
Resources & Tools for Brokers
Stay ahead in the industry with our exclusive broker resources:
Webinars
Gain insights from industry
leaders.
Blog Posts
Stay informed on the latest healthcare trends.
Calculators
Easily estimate client savings
and plan costs.
Contact
Cell: 732-267-9866
Office: 732-292-3100
Fax: 732-292-3043
419 State Route 71
Spring Lake Heights, NJ 07762
Check the background of your financial professional on FINRA's BrokerCheck.
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA & SIPC. Advisory Services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Associated Financial Planners, LLC and Cambridge are not affiliated.
This communication is strictly intended for individuals residing in the states of CA, CO, CT, DE, FL, MD, MA, NH, NJ, NM, NY, NC, OH, OR, PA, RI, SC, TN TX, VA &WI. No offers may be made or accepted from any resident outside the specific state(s) referenced. Cambridge does not offer tax or legal advice.
