Individualized Insurance

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.

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.

Joe is knowledgeable kind and patient. We are so much better off since we’ve started working with him!

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 !

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.

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.

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.

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. . . Joe was able to get me life insurance where is other companies had denied me. . . My mind is finally at ease about the future. I highly recommend him and his company.

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

When faced with the question "Have I done enough to retire financially secure enough to live out my dreams?" you find yourself in a very vulnerable place. You want someone who will seek to understand your goals and then create a road map towards the finish line. Joe has both depth and breadth in his knowledge base and a diverse pool of resources to customize a retirement plan unique to you. Most important, his character is what he stands behind which is one of honesty and trustworthiness while having a genuine desire to build out a bright future in retirement years.

Joe is a professional. He identified a gap in insurance coverage that my family had and helped customize a very affordable insurance plan for my wife in the event she was able hurt, sick, or unable to take care of the household. I appreciate Joe and his team's quick and no non-sense approach to insurance and financial planning. I highly recommend working with Joe and can confidently recommend him.

In all my interactions I found Joe Runza to be engaged, prepared, and focused on achieving the optimum outcome. He is also very responsive, timely, and detailed in his communications.

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 helps us get a more robust Life insurance plan for our needs currently. He is very knowledgeable in his field and walked us through every step of the process. We greatly appreciated the help and would recommend anyone looking for "life" insurance and excuse my French, not "death" insurance Joe is your man.

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 was easy to work with, very knowledgeable, and made my retirement plans become a reality...I highly recommend him for aiding in your retirement planning

Joe did a great job helping me with all my benefit needs. He explained things thoroughly and in ways that I could understand and relate to. He is very knowledge. If you need assistance with any of your retirement benefits... Joe is the best!

Joe was easy to work with, very knowledgeable, and made my retirement plans become a reality...I highly recommend him for aiding in your retirement planning.

Joe was awesome. Helpful in our decisions on insurance.

Joe is fantastic to work with! He took the time too do a Zoom call (twice) so I could see what options I had! I never felt pressured or uncomfortable like I was being sold something. He is extremely knowledgeable and passionate about his business and his family.