Joel has been working in the Insurance industry since 1989. He holds a B.S. degree in business from the C.W. Post campus of Long Island University. Upon graduating, he held the positions of senior underwriter for Aetna Life and Casualty, Senior Multi-National Underwriter for AIG. and later became an Independent Insurance Agent. Joel joined Brooks-Waterburn in 2001 as Commercial Lines Manager and became Vice President in 2004. Joel is co-creator of the “Laundromat Success Program”, Brooks-Waterburn’s premier industry program for Laundromat owners nationwide. He is also the current president and founder of a local BNI chapter. 

In his free time, he enjoys traveling, cooking, dining out and entertaining with his wife, two children and friends. He is a former VP of a local youth soccer league, a member of his community chamber of commerce and attends many local civic meetings to address topics within the community.

Joseph Garcia purchased his home in Farmingdale in 2005, a year after graduating from St. John’s University. He is married to his High School sweetheart, Stephanie, and they have two amazing sons. 

Suzanne LoBiondo is the Owner at Suzanne M. LoBiondo, CPA P.C, a Farmingale based CPA firm. Suzanne has over 30 years of tax and accounting experience, specializing in individual and small business compliance and planning.
Suzanne was previously a tax partner in a large Long Island based CPA firm, where she oversaw the administration of the Firm's 200-person tax department. While her main responsibility was for its entire tax compliance practice, she also spearheaded the firm's efforts to stay on the cutting-edge of electronic tax software and filing requirements.
Suzanne received her BBA in Accounting from Hofstra University in 1986 and her MS in Taxation from C.W. Post in 1994.

Joseph is a financial services representative whose goal is to provide families and business owners with assistance in building their financial freedom. He has the skills, knowledge and experience required to help meet his client's established goals. Joe's personal goal is to become a lifetime resource for each and every client. 
Financial plans including Health plans, Medicare and business benefits plans, investments for lifetime guaranteed income long term care protection plans, disability plans.