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.