I’m so excited to announce the upcoming release of my first book, RETIREMENT ACADEMY, an easy-to-read guide about the things no one else is telling you when preparing for retirement. To claim your complimentary copy, contact me by email or text (863-381-7633) and I will set aside one autographed copy for you and your family as my gift to you. Hope to see you soon!
~ Joe


The financial industry is failing retirees today. Our sources of retirement income have changed, our Social Security program is gasping for breath, and we are living longer. Most of you won’t be getting a pension, and if you do have one, chances are it’s not fully funded. People are losing their retirement income, not because they didn’t work hard, save enough, or pay off the house.
People are making mistakes due to a lack of financial education.

Folks, I’m not going to sugarcoat this stuff for you—being from New York, we tell it like it is. Every day I see people who are in financial positions that they don’t understand, or they buy unhelpful products because they’ve been taught to pay attention to the wrong things.

•     Are you looking at the rate of return instead of the yield?
•     Are you looking at tax-deferred instead of tax-free?
•     Do you understand the rules for working when claiming Social Security?

Welcome to Retirement Academy, where you will learn why your 401(k), IRA, and all other types of qualified retirement accounts are NOT the retirement plans you think they are. Ready to learn what you’ve never been told before? Let class begin.


Joe DeRenzis is a former math teacher, financial educator, and owner of JD Financial Solutions, an independent agency serving residents of central Florida since 1999. Host of the radio show Let’s Talk Money with Joe DeRenzis, and featured in Entrepreneur, Forbes, and Bloomberg Businessweek magazine, Joe lives along Florida’s Gulf Coast with his wife of 29 years.

Retirement Academy