I have been working with Joseph for several months now – and I am so grateful to have him and his team in my life. I am self-employed and by myself – and an artist without a good “head” for the financial end of running a business. I had been struggling financially and just trying to survive for the last number of years, and not doing it very well. I made a bad investment choice 10 years ago, and found myself having to go through a bankruptcy. (I wish Joseph had been in my life then – I would have avoided having to do that). And that has followed me for nearly 10 years on my credit report, making it difficult for me to get start-up loans and such to develop the business. Because of that, I had to look to personal credit cards with high interest rates, all of which caused me to find myself in a vicious cycle that I couldn’t find a way out of. I was exhausted, stressed and in total overwhelm in trying to stay on top of everything, and never seeming to have time to do what I enjoy and am good at – the creative part of the business and being able to be out to meet people and find clients – a real “catch-22”. And then Joseph appeared in my life, and it has all changed. He and his team, Amanda and Tammy, immediately stepped up to resolve the personal credit, and they have been so kind and patient with me when at times I was still feeling overwhelmed. That included getting the word, bankruptcy removed from my credit report early and developing a plan to pay off the personal credit card debt more easily, taking a huge amount of stress off of my shoulders. At the same time, Joseph and his assistant are helping me to create the financial foundation for my business to grow and prosper, as in setting up an LLC for me, etc., and will now be helping me to develop the funding to create a good business credit as well. I don’t know how I got so lucky – “the gods were watching over me” – to now have Joseph as my financial adviser, who I know I can totally trust in how he is guiding me. He is open and transparent on each step about what we are doing, allowing me to make the decisions that I am comfortable with. I am no longer alone and feel a sense of hope that I have not felt for a long time. I really can’t find the words to express my gratitude to him for believing and trusting in me. If you are finding yourself in a similar situation, I would highly recommend reaching out to Joseph and YMA Management. They are absolutely amazing and awesome!!!!!!