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Financial Advisor·Dallas, TXFor homesFor businesses

Joseph W. (Joe) Roppolo

Primerica

Managed accounts, IRAs and a savings plan for families that never had one

Regional Vice President with Primerica in Dallas, with the company since 2003. Managed accounts, IRAs, college savings and small business retirement plans.

In business
With Primerica since 2003
Licensed
Registered representative and investment adviser representative
Service area
Dallas–Fort Worth and Texas
Member
since 2013

What Joe does

  • Financial needs analysis
  • Managed investment accounts
  • Traditional and Roth IRAs
  • Mutual funds
  • 529 college savings plans
  • Small business retirement plans
All services →

Problems Joe solves

  • The paycheck disappears and there is no plan
  • Savings sitting in cash with no investment plan
  • Retirement savings that have never been started
  • Employees but no retirement plan at the business
  • College costs coming faster than the savings

Who should call

  • Married couples with children
  • Families that recently bought a home
  • Small business owners setting up a retirement plan

The best introductionA married couple with kids who just bought a home and has not sat down with anyone about retirement or college savings.

10 guides by Joe

Answers Joe gives clients every week

All financial advisor guides
Financial Advisor Two kids, a mortgage, scattered accounts: putting a working family's savings in order Most families I meet are not careless. They are busy, and the decision about which account gets the next dollar keeps sliding to next month. This is the order I walk them through, from the emergency fund to the college account. 7 min read What happens when I roll over an old 401(k), and how long does it take? An old 401(k) from a former job: what a rollover involves and how long it takes 7 min read What questions should I ask a financial advisor before I hire one? Before you hand anyone your savings: the questions to ask a financial advisor 7 min read Can a stay-at-home spouse have an IRA, and how much can we put in? One income, two IRAs: how a stay-at-home spouse saves for retirement 7 min read Can I open a Roth IRA myself, or do I need a financial advisor? Opening a Roth IRA on your own: when it works and when help pays for itself 7 min read SEP IRA, SIMPLE IRA or 401(k): which retirement plan is best for a small business? SEP, SIMPLE IRA or 401(k): picking a retirement plan for a small business 7 min read What is the best way for a Texas family to save for college? Saving for college in Texas: prepaid tuition, 529 savings plans and what to fund first 7 min read Traditional IRA or Roth IRA: which one fits my situation? Traditional IRA or Roth IRA: how to tell which one fits your situation 7 min read What can a 529 plan pay for, and what happens to the money if my child doesn't go to college? What a 529 plan can pay for, and where the money goes if college never happens 7 min read What is a managed investment account, what does it cost, and is it right for me? What a managed investment account is, what it costs, and who it actually fits 8 min read

Why clients choose Joe

Proof, not promises

  • Regional Vice President, Primerica
  • Registered Representative, PFS Investments Inc. (FINRA BrokerCheck CRD 4622640)
  • Investment Adviser Representative, Primerica Advisors
  • Investments and savings licensed in TX, AZ, CA, CO, FL, IA, MA and MO
In business
with Primerica since 2003

How it works

What happens after you reach out

  1. Schedule an appointment Book a meeting through the website or by phone. Meetings cover where the family is today and what it wants.
  2. Review the household picture Income, debts, savings and existing accounts are laid out so the gaps are visible.
  3. Put the plan in place An emergency fund first, then retirement, college and investment accounts matched to the family's goals, reviewed as life changes.

In Joe's words

Situations Joe handles every week

No plan, just a paycheck that disappears

Many families have never sat down with anyone to see where the money goes. Joe starts with the financial principles most people were never taught, then builds a goals-based picture: an emergency fund first, then long-term investing for retirement and college.

Old accounts that nobody is managing

A 401(k) left at a former employer, an IRA opened years ago and a savings account with no purpose. Joe reviews what the household already holds, explains rollover options into an IRA, and offers managed investment accounts through Primerica Advisors for families who want their investments managed on an ongoing basis.

Retirement savings that have never been started

Joe is a registered representative of PFS Investments Inc. and an investment adviser representative with Primerica Advisors. He sets up Traditional and Roth IRAs, 403(b) accounts and managed investment accounts, drawing on asset managers such as American Funds, Fidelity, Franklin Templeton, Invesco and others.

A business owner with employees and no retirement plan

Small business retirement plans are part of the practice: 401(k), SEP and SIMPLE IRAs, 403(b) and 457 plans, and payroll deduction plans that let employees save from each paycheck.

College costs coming faster than the savings

College savings plans, including 529 plans, can be opened and funded over time alongside the family's other goals, with the trade-offs explained in plain language.

Services

Everything Joe offers

Financial needs analysisA review of income, debt, savings and existing accounts that shows the household where it stands and what to do first.
Managed investment accountsManaged investments offered as advisory services through Primerica Advisors, built around the family's goals and time horizon.
IRAs and rolloversTraditional and Roth IRAs, rollovers of old workplace plans, 403(b) and 403(b)(7) accounts, and retirement income planning.
Mutual funds and annuitiesMutual funds and annuities through PFS Investments Inc., using established asset managers.
Business retirement plans401(k), 403(b), 457, SEP and SIMPLE IRA plans, and payroll deduction plans that are complimentary for employers.
College savings plans529 and other college savings accounts, funded over time alongside retirement.
Legal protectionLegal protection plans listed among the products offered.

Service area: Dallas, Dallas–Fort Worth, Texas

About

Joseph W. (Joe) Roppolo

Joe Roppolo is a Regional Vice President with Primerica and has been with the company since 2003, based in Dallas. He is a registered representative of PFS Investments Inc. and an investment adviser representative with Primerica Advisors, so savings, retirement and college planning are worked out together.

His focus is what he calls Main Street families: households that want to pay down debt and build savings without needing a large balance to get attention. The work starts with the financial principles most people were never taught, then moves to an emergency fund, retirement accounts, managed accounts and college savings, with each recommendation explained in plain language.

Why clients choose Joe

  • More than two decades with the same company, since 2003
  • Registered representative and investment adviser representative, so IRAs, managed accounts and business retirement plans are handled in one place
  • A teaching approach built on basic financial principles, with every recommendation explained

Works alongside: Works alongside estate planning attorneys, real estate agents, mortgage brokers, family law attorneys and pastors.

Member of BNI Preston Center since 2013.

FAQ

Questions people ask Joe

Do I need a lot of money to work with Joe?

No. Primerica's stated approach is that no client is too big or too small, and the focus is Main Street families: an emergency fund first, then long-term investing for retirement and college.

What is a managed investment account?

An advisory account in which the investments are managed on an ongoing basis around your goals, rather than chosen one fund at a time. Joe offers managed investments as an investment adviser representative with Primerica Advisors, the trade name under which PFS Investments Inc. provides advisory services.

Is he licensed to handle investments?

Yes. Joe is a registered representative of PFS Investments Inc., Primerica's broker-dealer, and an investment adviser representative with Primerica Advisors. His registration can be checked on FINRA BrokerCheck.

Can he set up a retirement plan for my small business?

Yes. Business retirement plans include 401(k), 403(b), 457, SEP and SIMPLE IRA plans and payroll deduction plans.

Does he promise a certain return?

No. Investments carry risk, and no return or rate is promised. The website is informational and is not a solicitation or an offer to sell products.

Contact

Reach Joe

CompanyPrimerica
Office8111 Lyndon B. Johnson Fwy, Suite 1315, Dallas, TX 75251

Email goes through the referral form so the chapter can record the introduction.

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