Joseph Pauwels grew up in Midland Park, NJ.  Joe graduated from Marist College majoring in Business Finance.  In his spare time, Joseph enjoys snowboarding, fishing, guitar, and piano. He is a quick learner and passionate about helping others.  Growing up, Joe has always had a mind for business, with the dream of working on Wall Street one day. However, in the back of his head, he always felt a calling towards education because of his love for math and helping others. By chance, he was lucky enough to come across CFS where he quickly realized this combined all his dreams and passions into the ultimate career path. Through this opportunity, he can pursue his passion for finance, while being an educator, providing help in ways that will drastically change the lives of others for the better.  Joseph hopes to help others avoid financial failure through his drive, focus, and determination.