Joe is a Senior VP of Counseling and is a member of the Investment Advisory Council at Graypoint LLC. Joe joined Graypoint in January 2021. Joe spent 34 years at Ayco, a Goldman Sachs Company, as an Account Manager for eight years, and Senior Account Manager for 26 years, providing tax, investment, estate and financial planning advice to high net worth clients. Joe serves as a Trustee for the Academy of the Holy Names and as a Trustee for the Center for Disability Endowment Board. He received his Bachelor of Science in Accounting from Le Moyne College, and his Juris Doctor from Albany Law School.