Joe is the founder of Nowak Financial Services (originally Joe Nowak Financial Services) having commenced the business in 1970 as an agent with Legal and General. He has 45 years’ experience as a financial adviser, and has worked with many clients for decades as their trusted adviser. Joe’s strength is ability to relate to his clients and he uses his experience to develop meaningful long-term goals for them. He is a Life Member of the Association of Financial Advisers (AFA). Joe recently commented on the change in advice "Advice has become more professional and focussed on providing quality advice that meets the client’s long-term objectives."  Outside of work Joe has played significant roles within industry and the community being a two time Past National President of the AFA, President of the Wests Rugby Union Club in Toowong, the Marist Brothers Rosalie Old Boys, and North Kirra SLSC. He now lives at North Kirra Beach and loves spending time with his grandchildren.