Joe Sturniolo and Kardia are unique in my experience. Unique because they don't just say they care, they actually show it by the time they take to understand our family. It's not just about financial issues with Joe. He is genuinely concerned about us as individuals and as a family. His biblical counsel is aimed at all of life. He spoke into our lives in a godly and significant way. As far as our financial picture, Joe's counsel and planning have given us great peace of mind and will enable us to give to kingdom causes in a more significant way than we ever imagined! We are not in the kind of financial position that most planners of Joe's caliber have time for, but Joe has treated us with the same care as he would treat his top client! That truly is unique.

Dan M.

Joe and his team at Kardia have been an invaluable resource to me as we move into the next season of capacity building at Mile High Ministries. I appreciate their heart for non-profits, God’s kingdom and for helping people experience the joy of generosity.

Karen Marchant

- Director of Strategic Development of Mile High Ministries

My first introduction to Joe Sturniolo was at a seminar in the fall of 2012. I had several questions about financial planning and estate administration after my wife passed away in late 2011. The most unique and memorable aspect of his presentation was his emphasis on the spiritual foundation of estate planning and the fact that God is the owner of all my assets. I met with Joe throughout the planning process and was very pleased with several of his suggestions – particularly about preserving my wife’s legacy through a donor advised fund in her name. This has had a big impact on my family in that each child has a new understanding about their role as stewards of God’s assets as they come to inherit them. For this I am grateful that the thoroughness of the planning process included their interests well into the future. I feel that the time invested by Joe and his associates were an answer to my prayers for direction in handling the assets that God provides.

Clinton Wood

It’s an honor to be able to advocate for the staff at Kardia / Joseph S. Sturniolo and Associates. The financial planning we’ve done together has far exceeded our expectations. They have taken the time to really get to know us and our family resulting in a plan that’s not “one size fits all”. We received a customized plan that will enable us to meet the current and future needs of our family and contribute to God’s work as well. Throughout the planning process we’ve been challenged to seek God’s purpose for our lives and have grown significantly in our vision and aspiration Every meeting, phone call, and email is handled with expertise and attention to detail. Without exception, the staff is friendly, professional and highly qualified. We wholeheartedly recommend them. They will go the extra mile for you and your family.

Ed and Kathy Moore

It has been such a tremendous blessing to work with Kardia. They genuinely want to help affluent families effectively manage their wealth and leave a lasting legacy. It is incredible to see the knowledge that Joe has in his field. He makes it possible for individuals and families to pass on sizable charitable donations to charities, they are passionate about, that would have otherwise been absorbed by the IRS. At the Denver Street School we have had several of these types of donations facilitated by Kardia. These familes have made a lasting contribution that will impact generations to come.

Amanda Hockmuth

- Director of Development of Denver Street School