A top 1% financial professional recognized by the Million Dollar Round Table Top of the Table, Joseph Ritter has served over 2,500 clients throughout his career. His company Insurance You Keep was established in January 2014, specializing in Medicare insurance and retirement planning. Joseph represents the most trusted insurance carriers in the industry including Aetna, Humana, Transamerica, Mutual of Omaha, and Blue Cross Blue Shield. His client-first approach emphasizes transparency with no hidden fees.
What is your typical day, and how do you make it productive?
A typical day for me is a mix of early morning focused work, strategic meetings, creative brainstorming, client interactions, team check-ins, and dedicated time for personal development and exercise, all carefully structured to maximize productivity through effective time management and prioritization.
How do you bring ideas to life?
Combine deep thought and consideration with action steps: clarify the idea’s purpose, research, develop a real plan with clear milestones, and get market feedback.
What’s one trend that excites you?
AI-Driven Decision-Making & Automation: AI will become increasingly used for automating tasks, analyzing data, and making smarter business decisions.
What is one habit that helps you be productive?
Prioritize tasks that directly contribute to revenue or your goals and eliminate or delegate tasks that don’t.
What advice would you give your younger self?
Stop shouting at your parents. They aren’t your enemies. Respect them. They have sacrificed a lot. You will know their sacrifices once you get older. Figure out what makes you happy and do more of that. Don’t compare yourself to others, your journey is your journey. Treat others as you want to be treated.
Tell us something you believe almost nobody agrees with you on?
Anything is possible. Global warming is inconclusive. Kids shouldn’t have a smartphone.
What is the one thing you repeatedly do and recommend everyone else do?
Know Your Business, Inside And Out. Master The Art Of Selling. Fail Fast and forward To Learn From your Mistakes.
What is one strategy that has helped you grow your business or advance in your career?
Improve the customer experience to Attract New Customers, You can’t ignore social media. Build a Sales Funnel.
What is one failure in your career, how did you overcome it, and what lessons did you take away from it?
Financial Problems. Financial struggles are very likely, especially at the beginning. Working long hours. Perfectionism is a creativity serial killer for entrepreneurs. spend less than you earn Seek new income streams to pay off debt. Find a work-life balance. Set smaller set realistic goals with 80% of the information.
What is one business idea you’re willing to give away to our readers?
Create a new market space by offering a unique value offer that makes your competition irrelevant, rather than simply competing in an existing market space. Concentrate on creating high-quality products or services that address a specific need.
What is one piece of software that helps you be productive? How do you use it?
The Google suite of products due to its seamless integration, user-friendly interface, cloud-based functionality, and strong emphasis on collaboration and efficiency. And it’s free.
What is the best $100 you recently spent? What and why?
The best $100 I spent recently was I took a client out to lunch, who I had never met in person, and has been a great client for many years and has sent me referrals. I said years ago I would meet him for lunch and never did, and I wanted to follow through on that.
Do you have a favorite book or podcast you’ve gotten a ton of value from and why?
The 4-hour work week by Tim Ferriss.