Joe Zappia & Team - DuBois PA Financial Advisors

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.

Generalist… or Specialist? 🤔When it comes to your health, you don’t go to a general doctor for heart surgery.You go to a...
06/02/2026

Generalist… or Specialist? 🤔

When it comes to your health, you don’t go to a general doctor for heart surgery.
You go to a specialist.

So why would your retirement be any different?

There are a lot of financial advisors out there…
But not all advisors are built the same.

Some are generalists — they do a little bit of everything.

At Venn Financial Solutions, our Independent, Fiduciary Financial Advisory team has chosen a different path.

We focus on what matters most to people nearing retirement:
✔️ Retirement Income Planning
✔️ Medicare & Healthcare Costs
✔️ Tax-Efficient Strategies (including IRMAA planning)
✔️ Estate Planning
✔️ Protecting what you’ve worked a lifetime to build

Our Team brings:
• Decades of real-world experience
• Advanced education & designations
• A fiduciary commitment to always act in your best interest

I’ve personally spent 20+ years in the Retirement and Medicare planning business — becoming the first Chartered Retirement Planning Counselor℠, Certified Financial Education Instructor℠, and Certified Medicare Insurance Planner™ in the Tri-County Area — because I saw how confusing and costly mistakes can be.

We have a deep background in comprehensive financial planning and retirement strategies developed over long careers serving clients.

👉 The result?
A team approach that’s built around expertise, not shortcuts.

Because retirement isn’t something you “wing.”
It’s something you plan.

If you’re within 5–10 years of retirement (or already there), and want clarity on your income, taxes, or healthcare…

📩 Send us a message or schedule a conversation at NO COST.

Your retirement deserves more than a general approach.

- Joe Zappia, CRPC® & Team - Venn Financial Solutions
(814) 371-4901 or 1-800-569-2867

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.

🧠🌼 June is Alzheimer’s & Brain Awareness Month! 🌼🧠Here at Joe Zappia & Team - Venn Financial Solutions, we know that kee...
06/01/2026

🧠🌼 June is Alzheimer’s & Brain Awareness Month! 🌼🧠

Here at Joe Zappia & Team - Venn Financial Solutions, we know that keeping your brain sharp and your finances in order go hand-in-hand. As we honor this month dedicated to brain health, let’s also “remember” to safeguard the legacy you’ve worked so hard to build. After all, a clear mind and a clear plan are the best way to keep both your memories and your money on track.

✅ Secure Your Long-Term Care Strategy
Whether it’s in-home care or a memory-care community, understanding costs now means you won’t be scrambling later—when it matters most.

✅ Establish Durable Powers of Attorney & Healthcare Directives
If decision-making becomes foggy, empower someone you trust to manage your finances and health choices seamlessly.

✅ Review & Update Your Estate Documents
A little “spring cleaning” for your will, trusts, and beneficiary designations can prevent confusion—and heartache—for your loved ones down the road.

✅ Plan for Potential Cognitive Changes
Brain health can be unpredictable. Crafting a financial plan that anticipates life’s “forgetful moments” ensures your assets stay protected—even if memory lapses do occur.

At Joe Zappia & Team - Venn Financial Solutions, our team brings over 65 years of combined experience helping individuals aged 70–85+. We’re independent fiduciary advisors—meaning we don’t answer to big corporate quotas, only to you. That flexibility lets us tailor strategies that fit your unique needs, so you can focus on living well while we focus on watching out for your future.

If you’re ready to put a strong plan in place—before life “slips your mind”—give us a call! Let’s work together to protect your hard-earned wealth and preserve your peace of mind.

📞 Call Joe Zappia & Team at (814) 371‑4901 or 1‑800‑569‑2867

June may be Alzheimer’s & Brain Awareness Month, but every month is a great time to plan ahead. Let’s get started today!

06/01/2026

Certain phrases in your company and job descriptions may signal a culture that's driving top talent away. Here's what to listen for — and how to fix it.

🎓 College is one of the biggest financial decisions a family will make — and smart planning can save tens of thousands o...
06/01/2026

🎓 College is one of the biggest financial decisions a family will make — and smart planning can save tens of thousands of dollars.

Before taking on large student loans, families should ask:

❓ Is this major in demand? (Double-digit demand %)
❓ What is the average starting salary for that profession?
❓ Will future income realistically support the debt?
❓ Will this career be replaced by or enhanced by A.I.?
❓ Could a skill, certification, license, apprenticeship, or trade provide a better return on investment?

A good rule of thumb:
💡 Try not to borrow significantly more for college than the expected first-year salary in that career field.

Other smart ways to reduce college costs:

✅ Live at home while attending if possible
✅ Consider a lower-cost school with a similar career outcome
✅ Apply for scholarships & grants
✅ Use 529 plans and savings strategies
✅ Avoid unnecessary student loan debt

In PA, a 4-year college with on campus housing costs $96,000 to over $230,000!
(www.pennwest.edu, collegetuitioncompare.com)
While the average starting salary for a graduate with a 4-year degree is only $68,873! (naceweb.org)

Sometimes the “best” college financially is the one that provides the best return on investment — not the most expensive name.

The goal isn’t just getting a degree… it’s starting adult life with opportunity instead of overwhelming debt.

📍 Joe Zappia, CRPC® & Team - Venn Financial Solutions

05/31/2026

Explore how everyday Google searches reveal common human experiences in parenting, health, and social issues.

05/30/2026

Google unveiled a new AI-powered search this week. It could ruin the internet. The changes mean you'll get a traditional list of links much less often. Instead, you'll get AI-powered answers, personalized just to you. That's not the internet we know.

Some people think financial planning = investments.That’s like saying a car is just the engine 🚗Sure, investments are im...
05/29/2026

Some people think financial planning = investments.
That’s like saying a car is just the engine 🚗

Sure, investments are important… but they’re only one piece of the puzzle.

Comprehensive Financial Planning looks at the full picture:
✔️ Healthcare, Medicare, & IRMAA Planning
✔️ Retirement Income Strategy (so you don’t run out of money)
✔️ Investments (properly aligned with your goals)
✔️ Tax Planning (because it’s not what you make, it’s what you keep)
✔️ Estate & Legacy Planning (protecting what you’ve built)

Everything works together.

Miss one piece… and the whole plan can fall apart.

At our firm, we don’t just manage money —
we help you build a complete, coordinated plan for retirement.

📍 If you’re within 40 miles of DuBois and want a second opinion, let’s talk.

- Joe Zappia, CRPC® & Team - Venn Financial Solutions
(814) 371-4901 or 1-800-569-2867

05/29/2026

The closure of the Strait of Hormuz has disrupted exports of aluminum, affecting beverage manufacturers in India and sparking a shortage of Diet Coke in some areas.

05/28/2026

Americans are traveling in record numbers as cruise lines sell out and airlines add capacity, even as fuel prices rise and global demand reshapes the summer travel outlook.

🎓✨ Congratulations to all the high school and college graduates! ✨🎓From all of us at Joe Zappia & Team - Venn Financial ...
05/28/2026

🎓✨ Congratulations to all the high school and college graduates! ✨🎓

From all of us at Joe Zappia & Team - Venn Financial Solutions, we’re celebrating your hard work, long nights, and countless “senioritis” moments finally conquered. Whether you’re tossing your cap or snagging your first diploma, you’re officially on your way to building the future you’ve dreamed about—kind of like crafting a perfect financial plan, one step at a time.

As you step into this exciting new chapter, remember:
• Your diploma is proof you’ve invested in yourself—keep that momentum going by investing wisely in your future.
• Just like a portfolio needs balance, so does life—celebrate your achievements, but also plan for what’s next.
• College lessons might have taught you more than textbooks—continue learning about budgeting, saving, and setting goals now that “real life” is here.

Parents, family members, and friends: if you know a recent grad who’s ready to talk about setting up a solid financial foundation—whether it’s saving for graduate school, buying their first car, or starting a rainy-day fund—introduce them to our team. We’re proud to be independent fiduciary advisors serving families across DuBois, Altoona, and beyond. Our combined 65+ years of experience means we’ll treat them like gold (and their money like ours). 😉

🎉 Here’s to bright futures, balanced budgets, and portfolios as strong as your determination! If you’re graduating or know someone who is, let us know—we’d love to help you map out the next steps toward financial success.

– Joe Zappia & Team, Venn Financial Solutions
(814) 371-4901 or 1-800-569-2867
Helping You Protect & Grow Your Money!

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

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