Joseph J Horvat
Financial Representative|CASL®, CLU®, ChFC®
Personal
Lifetime resident of Cleveland. Married to Mary and have four children, TJ, Amy, Pat and Chris and one grandchild, Luke. I served 4 years in the US Marine Corps and toured in South Vietnam. I enjoy biking, photography and ballroom dancing.
Professional
I'm committed to helping you get closer to your dreams. When you partner with me, you can expect a judgment-free, pressure-free environment with conversations that will be jargon-free. I strive to provide you the best experience possible.
Years of Experience
Representing Northwestern Mutual since 1976.
Education
John Carroll University - Management (Bachelor of Business Administration)
Awards and Recognition
- Million Dollar Round Table Qualifying/Life Member 2006-2007, 2009
- MDRT is the premier association of financial professionals. MDRT status designation is granted for one year and members must apply every year to continue their affiliation with the MDRT
- National Quality Award 1979-1980, 1982-1983, 1985-1986, 1988-1990, 1993, 2001-2002, 2006-2007, 2010
- Award recognizing persistency and performance
- National Sales Achievement Award 1978-1990, 1992
- Award recognizing performance
Continued Growth
Continuing to deliver on his commitment to help his clients achieve financial security, Joseph J. Horvat has earned a number of professional designations including Chartered Life Underwriter (CLU®), the highest level of studies in the life insurance profession; Chartered Financial Consultant (ChFC®), the most extensive education for financial solutions professionals; Chartered Advisor for Senior Living (CASL®) an expertise dedicated to the full range of financial, health, psychological and sociological issues confronting older individuals.
Special Needs Planning
Joseph provides financial planning services for families of individuals with special needs. He understands that having a special needs child impacts every facet of your financial picture and demands a thorough, integrated approach to managing your family's money.
Joseph assists parents of special needs children in making smart decisions about money. He is a knowledgeable advisor who can help provide access to integrated financial strategies that will benefit your child with disabilities — and your entire family.
Estate planning poses particular challenges for families of children with disabilities — challenges best addressed with the help of a financial advisor with specialized training. Joseph helps families plan for the future in all areas of life. His mission is to provide a holistic approach to bring peace of mind and confidence to help families move forward.
Professional Associations
Joseph J. Horvat is involved with the National Association of Insurance and Financial Advisors (NAIFA).
The mission of NAIFA is to advocate for a positive legislative and regulatory environment, enhance business and professional skills, and promote the ethical conduct of our members.
NAIFA is a national nonprofit organization representing the interests of more than 70,000 insurance and financial advisors nationwide, through its federation of over 900 state and local associations. Founded in 1890, NAIFA is the nation's largest financial services membership association.
He is a member for the Million Dollar Round Table (MDRT). MDRT is the premiere association of financial professionals. MDRT status designation is granted for one year and members must apply every year to continue their affiliation with the MDRT.
Founded in 1927, MDRT provides its members with resources to improve their technical knowledge, sales and client service while maintaining a culture of high ethical standards.
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.
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.
