Our Mission

Dispenza Financial was founded with the goal of assisting our clients in every aspect of their financial lives. We’ve provide the most personal service available, thus earning a reputation for excellence in our industry. We strive to help create financial stability for each of our clients.

In our practice, the client’s best interest is paramount to our success. We provide a highly personalized financial planning and wealth management investment service for individuals and businesses. By specializing in investment management, retirement and education planning, our clients are empowered to make responsible choices regarding their own financial destiny. We are their resource for honest and accurate financial information, and for providing effective implementation of their plans.

Our Service Commitment

We are committed to placing our clients’ best interests first.

In most cases, our compensation is determined on a fee basis as a percentage of assets under management through LPL Financial. The success or failure to meet our clients’ objectives directly affects our compensation. We pledge to disclose all fees, potential penalties for early withdrawal, or mandatory holding requirements prior to making any investments.

We pledge to disclose all risks prior to making any investments or insurance purchases. We will always consider our client’s best interest in every recommendation.

Our Experience

Joe Dispenza has nearly 40 years experience in the Financial Services industry, including a background in Investment Planning for Individuals, Corporate Treasury Management, and Health Insurance.  He joined LPL Financial in January, 2001.

Prior to focusing on investments for individuals, Joe was responsible for managing the short- and intermediate-term investment pools, as well as the cash management operations, for Prudential Financial in Newark, New Jersey. His extensive background in financial services provides him with the skills and experience needed to professionally manage investments for individuals and businesses.

Joe earned his Bachelor of Science Degree in Management from Kean University.  As a Registered Representative with LPL Financial he holds Series 7, Series 63, and Series 65 securities registrations with LPL Financial in New Jersey, New York, Connecticut, Georgia, Idaho, Pennsylvania, Maine, North Carolina, Texas, Wisconsin, Florida, Virginia and Arizona. In addition, he holds Life and Health insurance licenses in New Jersey, Maine and Texas. 

Joe completed the CERTIFIED FINANCIAL PLANNER™ Practitioner program at Fairleigh Dickinson University in November, 2004, and has been authorized by the CERTIFIED FINANCIAL PLANNER™ Practitioner Board of Standards Inc. (CFP Board) to use the CFP® and CERTIFIED FINANCIAL PLANNER™ Practitioner certification marks in accordance with CFP Board certification and renewal requirements.

Joe resides in Hunterdon County, New Jersey.