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Joe is originally from Chicago, where he graduated from Lane Technical High School. He earned his Bachelor of Science degree from Southern Illinois University, and was awarded his Certified Public Accountant Certificate from the University of Illinois. His accounting career spans thirty years in Healthcare, Insurance and Non-profit agencies, sixteen of which have been associated with TERI. Joe recently wed his lovely wife Peggy, with whom they share four sons (Kyle, Cody, Richie, and Brian), two daughters (Brigette and Alicia), and a newborn grand-daughter (Aubrey).

Away from TERI, Joe enjoys all sports, particularly Hockey, will go mountain bike riding as often as possible, but his passion is playing and listening to music.