Life & Annuity Insurance

Joseph Runza is knowledgeable, professional, and trustworthy. Have referred others.love doing business with him. J. F.

Joe was professional and proficient in the things I needed help with and open to any questions I had and still is , and has done everything that he said he'd do in a timely fashion and manner. I will continue To stay in touch with him and I will continue to use his services.

I’ve been working w/ Joe setting my parents and family up w the right resources we need to ensure that we are set for retirement but also for our daily life. He is honest, he is passionate and he is transparent — these are rare qualities in today’s world.

I strongly recommend Joe’s services to anyone that’s looking to improve the quality of their life both today and in future.

Joe is an exceptional financial advisor. His deep market knowledge, clear explanations, and personalized approach are invaluable. Always responsive and trustworthy, he puts client's best interests first. I would highly recommend him!

Joe has been really great to work with. He has helped with our financial planning for the future. I highly recommend Defined Retirement!

Joe goes above and beyond for his clients. He made me aware of a service I didn’t realize was possible which in the long run will help me and my family as I get older. I would highly recommend Joe to anybody looking to make some life changes with Investments and our life insurance.

Joe has been tremendous from the first moment we spoke after being referred to him for my wife's federal retirement needs from the post office. He has helped us with countless hours of plan evaluations and zoom calls never hesitating once for a question. Helping us with everything from long term life policies to retirement rollover strategies. He is a true family man that clearly shows up in his work treating me & my wife like family sharing his wisdom, faith and work ethic.
Thank you Joe

We can't say enough about Joe. He worked painstakingly with us to come up with a plan that made us both happy:). He was patient and explained details in terms that we could make sense of. Showed us smart ways to invest and watch out for our future. Gave us suggestions that ultimately made the choice easy for us. His strong suit is thinking outside the box and making it a good fit all around. Highly recommend.

Joe is dedicated to serving his clients with financial products based on their individual needs and circumstances.

Joe Runza set up my life insurance needs and is now assisting my new husband, so grateful to have someone I can trust!

Joe is your one stop shop for all your needs in the Life Insurance world. He has great knowledge and experience in the business. Joe got me my wife & son all square away with full term life with living benefits & savings policies. One great thing about Joe is once you're his customer he's a phone call or text away for any questions or need you may have involving your policy or Life changing events you may have happening. 5 ⭐ ⭐ ⭐ ⭐ ⭐ service always. Thanks Joe

Working with Joe to set up insurance that meets our needs has been a great experience. He is knowledgeable in his field and has help our family to make sure our we have the correct coverage we need. I would recommend him for anyone in need of getting coverage.

Working with Joe as my financial planner has been an invaluable experience. His expertise and attention to detail have not only helped me navigate complex financial decisions but also provided me with peace of mind for the future. Joe takes the time to understand my unique financial goals and tailors strategies that align perfectly with my needs. His professionalism, transparency, and dedication make him an exceptional advisor whom I trust wholeheartedly. I highly recommend Joe to anyone seeking expert financial guidance.

I’ve worked with Joe for several years. My wife and I have our insurance with him. He is extremely knowledgeable, personable and responsive. We appreciate his guidance in always keeping our best interests at heart. I highly recommend working with Joe and give him my highest level of recommendation. If you work with Joe, you’re in good hands.

Joe was referred to me by a mutual friend. He is as good as advertised: a very professional, knowledgeable and validated financial services consultant. You won’t be disappointed!

In truth, I am not Joe’s client, but I would not hesitate to seek his services. There are people in this world who will always do right by those around them - They call those people neighbors. I have no doubt that Joe goes above and beyond for his clients. 5 stars isn’t enough!

Joe has been an absolute pleasure to work with. He goes above and beyond ! He is a very caring, person, and he will do everything he can to help. Everytime that I have contacted him with questions and or concerns he was very prompt and very helpful. I never had to wait for a response, he is always on top of everything and true to his word! He came out to help my mom and I right after my dad passed and he made it just a pleasant experience during such an awful time! He is the best of the best !

My girlfriend referred me to Joe. I was extremely skeptical about About using his services. I have had bad financial planners in the past that were not looking out for my best interest only theirs.
Joe was extremely patient and thorough going through all my financial information. He sat down with me and explained everything and came up with a plan. Finally, my money has a job to do, which is to make money. Joe was able to get me life insurance where is other companies had denied me. Joe has made this process very simple And pain-free. My mind is finally at ease about the future. I highly recommend him and his company

My family and I have worked with Joe for about seven years now. He is very knowledgeable about all the different policies that are offered. He goes above and beyond to make sure you understand the different options. He is down to earth and he would never recommend anything to you that he wouldn’t do for his family. That is a great quality to have.

Thanks.

This website was very useful in starting my thoughts on retirement. Joe R. Was very helpful.

My name is Katherine, and I have been working with Defined Retirement LLC . Since 2014, Joe Runza has helped me with my retirement and life insurance he will always find you the right company to fit in with your best interests and budget. I have also had many friends and family members who have also worked with him.

Joe with Defined Retirement LLC is knowledgeable, trustworthy and has your best interest at heart. He takes the time to explain what your retirement options are and what your financial future looks like. He listens to your goals and helps you achieve them. As a client, I definitely recommend Defined Retirement LLC for your financial planning!

Joe has absolutely been wonderful to work with since I met him. He has helped me with my Life Insurance policy as well as given me information for retirement resources that he provides. Joe has also helped my parents with their retirement needs and life insurance policies. He goes above and beyond for his clients. He is very efficient and gets back to his clients promptly. I highly recommend his services to anyone.

Define Retirement is a great company. Joe puts needs of his clients in front of everything else. Always looking out for our best interest. As a veteran, I love working with him.