Joe Zappia & Team - DuBois PA Financial Advisors

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Joe Zappia & Team - DuBois PA Financial Advisors DuBois PA Fiduciary Financial Advisors, Wealth Management, Medicare & Health Insurance Worried about running out of money in retirement? Army Reserve Veteran.

Can't find a way to safely protect & grow your money? Is your advisor retiring or changing jobs? Looking for Local Wealth Management? - Message us or call 1-800-569-2867
Du Bois PA Financial Advisors - Joe Zappia, III, CRPC® & Team at Venn Financial Solutions
Licensed fiduciaries using strategic & tactical money management, working together with Robert J. Knox, Jr., (Like the gold in Fort Knox, a U.S. Air Force Veteran) and our team of advisors. Hire a local fiduciary financial advisor near me or a virtual financial advisor! The Zappia Family started a bread bakery in 1908 and entered the Insurance & Financial Business in 1979. Zappia Insurance was founded by the late Joseph C. Zappia, Jr., CLU®, a U.S. His son, Joe Zappia, III, CRPC®, our current co-owner, started in the business in 2005. Zappia Insurance & Knox Financial merged in 2016 to form Venn Financial Solutions!
- Pittsburgh PA Cranberry Township, Monroeville, Canonsburg, Altoona, Erie PA Fiduciary Financial Advisors - Serving Robinson Township, Oakdale PA, South Fayette, Butler, Beaver, Treesdale, Gibsonia PA, Cincinnati OH, Cherry Hill NJ, Columbia SC
Since 1979, we have been providing Insurance, Financial, & Estate Planning Services in Western and Central Pennsylvania. - Medicare - Health - Life
2024 & 2026 - Winner Readers' Choice Award for Best Financial Planning/Advisor
2021, 2023-2025 - Gold Award Winner & 2022 - Silver Award Winner - Best Financial Planners in the Best of Tri-County (Youngest Financial Firm Owner to be Nominated)


Joe attained the CRPC® - Chartered Retirement Planning Counselor (SM) designation conferred by the College for Financial Planning
2020 - Joe was honored by Who’s Who in America
Completed the Financial Markets Course taught by Nobel Laureate (Nobel Prize-Winning) Professor & Economist Robert J. Shiller at Yale University
2019 & 2020 - Foremost Under 40 By Pennsylvania Business Central
2016 - Readers’ Choice Award Winner for Favorite Insurance Agency - Tri-County Sunday and Courier-Express Newspapers
2008- 1st page in the Insurance & Financial Services Industry in Du Bois
2002 - Joe graduates with a Bachelor's Degree in a Business-Related field, taking courses in Financial Management, Accounting, and Economics


Thrift Savings Plan TSP Retirement Planner for Federal Employees in DuBois & Altoona PA - Robert J. Knox "Bob" is a graduate of:

College for Financial Planning – Completed the CERTIFIED FINANCIAL PLANNER™ - CFP® Certification

American College of Financial Services – Completed the Chartered Financial Consultant® – ChFC® Designation, Chartered Advisor for Senior Living® – CASL®,
Chartered Life Underwriter® – CLU®

Society of Certified Senior Advisors® - CSA® Certified Senior Advisor Credential

National Social Security Advisor℠ - NSSA® Certificate

The Federal Retirement Consultant℠ - FRC℠ Designation

The preceding certifications, designations, certificates, and credentials are not active. Many other financial advisors are not fiduciaries. Unlike most other advisors, we are a licensed fiduciary team with many years of experience – required by law to work in the client’s best interest. As non-captive, independent advisors, we are not limited to one company OR one type of product. We use both Strategic and Tactical Money Management. With Tactical Money Management – if the market is falling, we can move money to safety to minimize losses and can get back in as the market is rising. We use funds designed to keep fees and expenses low. We enjoy and value long-term relationships with our clients rather than having a merely transactional business. While many other advisors are retiring soon, Joe plans on working for 30 more years. Providing Social Security Planning in DuBois & Altoona PA

Over the years, the Zappia family has donated to local non-profit organizations and charities such as Agape Community Services, the ARC of Clearfield & Jefferson Counties, Alzheimers' Association, Bowl for Kids’ Sake, Boy Scouts of America, Brockway Area Schools, Clarion University Alumni Association, DuBois Area Catholic Schools, DuBois Area High School Alumni Association, DuBois Area Historical Society, DuBois Area Jaycees, DuBois Area Lions Club, DuBois Area United Way, DuBois Area YMCA, DuBois Community Days, Free Medical Clinic of DuBois, Gateway Humane Society, Girl Scouts of America, Goodwill, Kiwanis Club of DuBois, Make A Wish, Penn Highlands Charity Ball, Penn State DuBois Campus, The Reitz Theater of CRI, Rotary Club of DuBois, the Salvation Army, various benefit dinners, and local churches. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 77 products in your area. Please contact Medicare. gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Medicare Agent and Broker Altoona PA - Joe Zappia is the 1st CMIP® and Certified Medicare Insurance Planner™ in DuBois PA, Pittsburgh, Erie, and Altoona, PA! CMIP® and Certified Medicare Insurance Planner™ are owned by the parent company of Certified Medicare Insurance Planner™, DBA, The Life Man® LLC, and authorizes the use by individuals who have met the administration’s initial and ongoing certification requirements. The Federal Government, CMS, and Medicare do not affiliate with or endorse ANY professional designation, which would include the CMIP® designation. Investment Advisory Services offered through Venn Wealth & Benefit Services, LLC. A Pennsylvania Registered Investment Advisor. Venn Financial Solutions and Venn Wealth & Benefit Services, LLC are not affiliated entities. The 2021 and 2023–2025 Gold Awards for Financial Planner and the 2022 Silver Award for Financial Planner by Best of Tri-County, as well as the 2024 & 2026 Reader’s Choice Awards for Financial Planner, and the 2016 Reader’s Choice Award for Best Insurance Agency by Tri-County Weekend Newspaper, were awarded based on community nominations and voting. Advisors were permitted to vote for themselves, and voters were able to vote once per day. Third-party awards do not guarantee future performance or client satisfaction. No compensation was provided in connection with these recognitions. Likes, endorsements, awards, and recommendations should not be considered a positive reflection of the services or advice offered by Joseph C. Zappia, III, CRPC®, CFEI®, Robert J. Knox, and/or Venn Financial Solutions. We do not provide tax or legal advice. Please consult your tax or legal professional for guidance specific to your situation.

🍂🧡 NOVEMBER — A MONTH OF THANKFULNESS & GRATITUDE! 🦃🍁November is a wonderful time to slow down, reflect, and appreciate ...
11/02/2026

🍂🧡 NOVEMBER — A MONTH OF THANKFULNESS & GRATITUDE! 🦃🍁

November is a wonderful time to slow down, reflect, and appreciate all the good things in life!

❤️ Family who loves and supports us.

🤝 Friends who make life more enjoyable.

🏡 A place to call home and the comforts we sometimes take for granted.

💪 Good health and the opportunity to enjoy each new day.

🌟 Opportunities and blessings that help us grow and make a difference.

😊 The little things — a warm cup of coffee, a beautiful sunset, a kind word, or simply spending time with someone special.

Life isn't always perfect, and there will always be challenges. But even during difficult times, there's usually something to be grateful for.

Gratitude isn't about having everything you want. It's about appreciating everything you have! ❤️

As we begin this season of Thanksgiving, let's remember to count our blessings, cherish our relationships, and spread a little kindness wherever we go.

🍁 What are YOU most thankful for this November? Share in the comments! 👇

11/02/2026

Learn AI, but with drinks and friends: Why workers are swapping happy hour for hackathon-style events.

🏥 DID YOUR MEDICARE INSURANCE AGENT RETIRE? 🤔Who's looking out for YOU now?For years, you may have trusted the same Medi...
11/01/2026

🏥 DID YOUR MEDICARE INSURANCE AGENT RETIRE? 🤔

Who's looking out for YOU now?

For years, you may have trusted the same Medicare insurance agent to help you understand your coverage, review your options, and answer your questions.

But what happens when that agent retires?

❓ Who do you call when you have questions about your Medicare coverage?

❓ Who helps you review your plan when your healthcare needs change?

❓ Who can explain changes to your premiums, prescriptions, or benefits?

❓ Who helps you if your Medicare plan is discontinued?

YOU DON'T HAVE TO FIGURE IT OUT ALONE!

👋 Meet Joe Zappia, III, CMIP®

With over 21 years of experience helping people navigate Medicare, Joe understands how important it is to have a knowledgeable, local insurance professional you can turn to.

✅ Medicare Advantage Plans

✅ Medicare Supplement Insurance

✅ Medicare Part D Prescription Drug Plans

✅ Annual Medicare Coverage Reviews

✅ Personalized Guidance When Your Needs Change

📍 Locally Owned. Experienced. Here to Help.

At Venn Financial Solutions, we believe Medicare isn't just about choosing a plan. It's about having someone you can call when you need assistance.

Your Medicare agent may have retired, but your need for trusted guidance hasn't!

📞 Call Joe at (814) 371-4901

📍 Serving DuBois, Altoona, and surrounding Pennsylvania communities.

Let's make sure you have someone in your corner!

We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 61 products in your area. Please contact MedicareDOTgov or 1-800-MEDICARE to get information on all of your options.

11/01/2026

It’s hard to be too prepared for healthcare costs in retirement—and your HSA doesn’t lose its flexibility if you save more than you need. Starting at age 65, you can use HSA funds for any purpose without the additional tax penalty. Just remember: withdrawals for nonmedical expenses are general...

10/31/2026

This as-told-to essay is based on a conversation with Gary Brecka, co-founder of Ultimate Longevity Center.

Hope you have a Happy Halloween!
10/31/2026

Hope you have a Happy Halloween!

🕰️ Time to Fall Back! 🍁Don’t forget to set your clocks back one hour tomorrow night — and maybe take a moment to “reset”...
10/30/2026

🕰️ Time to Fall Back! 🍁

Don’t forget to set your clocks back one hour tomorrow night — and maybe take a moment to “reset” more than just the time.

Fall is the perfect season to pause, reflect, and make sure your financial plan is still on track. Because while the clock may turn back, your retirement goals should always move forward. 💼💰

Let’s make the most of the extra hour — whether it’s catching up on sleep or catching up on your future! 😉

📞 Joe Zappia, CRPC® & Team | Venn Financial Solutions
Helping you protect and grow your money — in every season of life.

10/30/2026

From concerns about the future to thoughts that the sector may be more stable than some think, it’s time for investors to look deeper, past fads and fears.

10/29/2026

Former SEC Chair Gary Gensler says history suggests today’s AI investment boom will not continue indefinitely. Gensler also weighs in on interest rates, monetary policy, financial stability, and the possibility that the U.S. has overbuilt AI infrastructure.

🐱 Happy National Cat Day! 🐾Today, October 29th, we celebrate the furry family members who somehow manage to sleep all da...
10/29/2026

🐱 Happy National Cat Day! 🐾

Today, October 29th, we celebrate the furry family members who somehow manage to sleep all day, ignore our advice, and still run the household. 😹

Cats might have nine lives, but when it comes to your financial life, having a good plan the first time certainly helps!

Whether you're planning for retirement, protecting your family, growing your savings, or leaving a legacy, a little preparation today can make a big difference down the road.

🐾 Give your favorite feline some extra attention today—and maybe an extra treat or two!

Happy National Cat Day! 🐈❤️

Address

Joe Zappia, III/Venn Financial Solutions, 103 Beaver Drive
Du Bois, PA
15801

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