Joseph D Cesmirosky
Financial Representative|CFP®, ChFC®, CLU®
Personal
I have spent my whole life (except for 8 months) as a Texan. I have lived in San Antonio since 1991 after growing up in Houston. My wife, Renee and I live with our three children, Matthew, Michael and Paige.
Spending quality time with my family is my best hobby. I enjoy working out, hunting, camping and working in the yard at my house. I also enjoy music and reading.
Professional
I came into the Financial Services business straight out of college. I am one of the few individuals who is still engaged in the career that they studied for in college and still enjoy it. It was suggested to me to look at companies that spend time, money and effort in training quality professionals. I made the right choice in joining what was then Northwestern Mutual Life.
The Financial Services industry is changing rapidly. I was told early on that if I was not keeping up with my advanced education I will not be aware of the latest financial strategies or tax law changes that may effect my clients. So in 1994 I received my Chartered Life Underwriter (CLU®) designation. In 1995 I received my Chartered Financial Consultant (ChFC®) designation. Both are from The American College in Bryn Mawr, PA. In 2002 I became securities licensed.
Years of Experience
Representing Northwestern Mutual since 1985
Education
Stephen F Austin State U - Business (Bachelor of Business Administration)
Lending a hand in my community.
As part of Northwestern Mutual, I'm proud to help accelerate the search for better childhood cancer treatments while supporting families undergoing treatment, and survivors from late effects. Here are some of the organizations we partner with:
Alex's Lemonade Stand Foundation for Childhood Cancer (ALSF)
ALSF funds cancer research, raises awareness, and supports the families of children with cancer. Since 2012, Northwestern Mutual, its employees, and financial professionals like me have donated more than $20 million to support ALSF and fund over 400,000 research hours.
Beads of Courage
Beads of Courage is an art-in-medicine program that helps kids with cancer tell their unique treatment story through colorful beads that are symbols of their courage.
Stone Oak Presbyterian Church
Active member at Stone Oak Presbyterian Church. I am an Elder in the church. Most of my community involvement revolves around the ministries the church provides. I also support financially any charities that my clients and co-workers are involved in.
Here are my areas of expertise
Financial Planning
Insurance Protection Strategies
Life Insurance Strategies
Retirement Planning & Income Strategies
Education Planning & Funding
Disability Planning
Multigenerational Planning
Estate Planning
How Northwestern Mutual helps you live the life you want.
When people feel better about their money, good things happen—they become more confident and feel more secure. For more than 160 years, Northwestern Mutual has helped people achieve the financial flexibility they need to live more and worry less.
Being a mutual company means Northwestern Mutual reports to its clients, not Wall Street. They don't believe in chasing fads or taking undue risk for short-term gains. Instead, they take a long-term approach—both in the way we help people plan to reach their goals, and in the way they do business. This has served their clients (and mine) well through all kinds of economic ups and downs, including wars, recessions, even the recent pandemic.
It's why I'm happy to be part of a company that's in it for the long-haul and prioritizes clients over profit.
