The Ultimate Wealth Survival Guide for Wine & Spirits Sales Execs
A 5-Step System to Help You Retire With Confidence – Even if You Lose Your Job Tomorrow
Built by an Industry Insider for Busy Sales Leaders
A 5-Step Retirement Roadmap Built Specifically for Wine & Spirits Sales Professionals
Hey there! I'm Joe Stephens, a certified financial planner and a certified sommelier.I grew up helping my dad at his liquor store in NJ, spent years as a luxury sales rep and AM at Gallo, and ultimately built a successful financial planning practice with one mission: helping wine & spirits sales pros just like you retire comfortably and confidently.Now, I’m sharing this free 5-day email course so you can finally answer that one nagging question: Can I afford to retire? Plus:
Go from hoping you’re on track to knowing you’re prepared.
Uncover the 5 hidden threats to your savings and learn how to protect yourself.
Build a plan that'll hold up even if your paycheck disappears tomorrow.
Because this industry is unique, and most financial advisors simply haven’t lived it the way we have.
Designed for Folks Who Are Tired of Financial Advice That Wasn't Created for Them.
Want to know exactly what's inside before you sign up?
Here's everything we're going to cover:
Day 1: Take an honest look at where you stand today.Most wine & spirits sales professionals have never gathered all their financial stuff together in one place. That's where we start: with a candid look at your income, savings, debt, spending, and retirement timeline, all in one 20-minute exercise.Day 2: Prepare yourself for the possibility of a lost paycheck.How long could you actually last without your next paycheck? This step walks you through how to calculate your real financial runway and examines what a disruption to your income would mean for your retirement plans. Given all the headwinds the industry is facing, it's best to be prepared.Day 3: Compare your retirement goals to reality.Making great money doesn't automatically mean you're building real wealth. This step breaks down the 5 invisible forces working against your nest egg and shows you how to calculate the gap between what you have and what you'll actually need – while you still have time to adjust.Day 4: Build a flexible retirement timeline.A single fixed retirement date is a plan that only works if everything goes right. Together, we'll map out multiple scenarios so you're ready no matter what this crazy industry, the market, or life throws your way. Remember: flexibility is your friend.Day 5: Pull all the pieces into a coordinated plan.Income, taxes, investments, Social Security, healthcare – this final step will show you how to bring everything together into one coordinated master plan so every single aspect of your financial life works seamlessly with the rest and they're all pulling in the same direction.
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA & SIPC. Advisory Services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Associated Financial Planners, LLC and Cambridge are not affiliated. This communication is strictly intended for individuals residing in the states of CA, CO, CT, DE, FL, MD, MA, NH, NJ, NM, NY, NC, OH, OR, PA, RI, SC, TN TX, VA &WI. No offers may be made or accepted from any resident outside the specific state(s) referenced. Cambridge does not offer tax or legal advice. Cambridge’s Form CRS (Customer Relationship Summary)
Joe Stephens, CFP® is based in Spring Lake Heights, NJ and serves wine and spirits professionals nationwide. He is President of NAIFA-NJ, a Silver Associate Member of WSWA, a certified sommelier, and a licensed commercial pilot and flight instructor. He will be featured in the June 2026 edition of The SOMM Journal.
Hooray! The first lesson of The Ultimate Wealth Survival Guide for Wine & Spirits Sales Execs: A 5-Step System to Help You Retire With Confidence Even if You Lose Your Job Tomorrow is on its way to your inbox.
Within the next minute or two, you're going to get an email from me (Joe Stephens, CFP).This email contains instructions to get started with The Ultimate Wealth Survival Guide for Wine & Spirits Execs, so be sure to check it out!But if you have any questions, don't hesitate to hit reply and let me know – I'll be happy to help!Now go and check your inbox!
PS - If you don't see the email in your inbox within a few minutes, please check your spam folder and mark it as 'Not Spam.' This will help ensure that all our future emails land where they belong. Thanks!)