Joe is the Founder & CEO of Holberg Financial (holbergfinancial.com), a financial wellness benefit for employees. Holberg Financial helps employees reduce financial stress and helps companies recruit and

retain top talent while saving them money through increased employee productivity. He is the author of both "Rogue Finances: The "Un-system" Designed to Help You Become Financially Healthy, Successful,

and Awesome" and most recently, "A Brief Discourse on the Definition and Tenets of Financial Justice".

His perspective is drawn from a variety of experiences including working at Google, teaching middle school math on the West Side of Chicago, and has created a loan underwriting system for the Capital

Good Fund, one of the country’s largest microfinance organizations. He is an avid coffee drinker, a reader, and a wanna-be-bibliophile.