Joel focuses on working with individuals, families and often their privately held businesses in developing financial strategies that are aligned to desired outcomes. Joel has over 30 years of broad financial experience working with individuals and families in developing and executing financial strategies. Prior to joining RBC in 2019, Joel spent 13 years with Merrill Lynch as a Financial Advisor. Joel started his career with Citicorp where he spent 7 years , first in their World Corporate Group and then as Relationship Manager in The Citibank Private Bank. Joel also has Commercial Banking experience with US Bank. Following these positions he served as the CFO for a large privately held food manufacturing company in Duluth, MN. Joel received his undergraduate degree from St. Johns University in Collegeville, MN, his Masters in International Management from The Thunderbird School of Global Management in Glendale, AZ and graduated from the Citicorp Institute for Global Finance. In his free time, Joel and his wife Jane enjoy watching hockey, playing golf and traveling. They have three grown children two grandchildren. *Investments & Wealth Institute (The Institute) is the owner of the certification marks "CPWA" and "Certified Private Wealth Advisor." Use of CPWA and/or Certified Private Wealth Advisor signifies that the user has successfully completed The Institute's initial and ongoing credentialing requirements for wealth advisors. *CRPC and Chartered Retirement Planning CounselorSM are registered service marks of the College for Financial Planning 