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.