Joe Runza
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Defined Retirement

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Concerned about your retirement? Looking for a second opinion?
Get more details on how our quick and easy, complimentary Retirement Analysis can help give your family a plan that you are confident with, regardless of life's "What If" situations. Complete the form below and our team will follow-up to schedule a free strategy call to discuss the next steps.
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About Us


Joe Runza | Principal & Federal Benefits Consultant
Joe Runza is a licensed financial professional and federal employee benefit's consultant that specializes in helping clients prepare for retirement. Based out of Cleveland OH, he has been an trusted expert in the financial field since 2013.  In addition to retirement planning, his background in following subjects makes him a valuable resource to the clients he serves:
  • 401k/TSP/IRA Rollover Planning
  • Social Security Maximization
  • Tax Planning
  • Estate Planning 
  • Tax-Free Income Planning
  • Tax-Free Wealth Transfer 
  • Balanced Financial Portfolio Management 
  • Final Expense Planning 
  • Life Insurance
Joe and his team use an educational & fun approach to working with their clients. It is important to Joe's team that they can have fun with like-minded individuals during the process of educating them on what their best options are for accomplishing their future goals.
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schedule a time to meet with Joe
 
Our Services
What We Do For Clients

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Asset Protection
​Retirement doesn’t mean that it’s time to stop growing.  Same holds true for your money.  It should mean, however, that it’s time to stop taking unnecessary risk. 
 
We specialize in helping retirees protect their retirement assets while continuing to move forward.
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Family Legacy Planning
Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!
 
We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.         
 

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Extended Care Solutions
Long-term care/extended care costs have gone up substantially in the last 10 years.  Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.
 
The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t.    
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Retirement Income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face.  It’s very likely to spend 30 years or more living in retirement without earned income.
 
We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike.  Let us get to work on a plan for you.

Our federal benefit specialists are trained in different fields of financial planning
​specifically geared your options when it comes to your federal benefits.

Below are just a few of the expertise our specialists can assist with:​

TSP Education

Benefit Analysis

Tax Free Income
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FEGLI vs. Private Insurance​


Social Security Timing

Lifetime Income Planning

Legacy Planning Strategies
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LTC Preparation and Insurance
how can we help you?
 
We Love To Meet New People!
Contact Us

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MAIN OFFICE
Services Provided In:
California, Colorado, North & South Carolina, Ohio, Indiana, Florida, Tennessee, Georgia, Texas, & Alabama.
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EMAIL
joe@definedretirement.com
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CALL US
(440) 429-3031

Registration Form

Please fill in the form below.

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Schedule a call on my calendly
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(440) 429-3031  |  joe@definedretirement.com

The information provided herein is the exclusive property of Defined Retirement. This material has been prepared for
informational and educational purposes only. It is not intended to provide nor should be relied upon for accounting, legal, tax, or investment advice.

​ © 2021. Defined Retirement.
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