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"I think Joe is a wonderful, understanding, knowledgeable advisor who shares and explains without ever losing his patience." 
           - Margaret Vellis
             Teacher 
             Pompano, Florida

"I have had the pleasure of knowing Joe for nearly 20 years. During that time we have fostered a strong personal and professional relationship."
            - Marc Garfinkel, DC
              Chiropractor
              Englewood, Colorado     

"Joe responds very nicely to telephone inquiries and offers fine advice."

             -Rita Shannon
              Retired Teacher
              Miami, Florida

"Joseph reviews material with me until I can comprehend it.

[He has a] great deal of patience."
             -Michele King
              Counselor
              Miami, Florida

"Joe has been helping me with investment advise since 1997 and I can honestly say I couldn't ask for better service. I'd gladly recommend [him] anytime."

             -Gabe Fabregas

               Electrician

               Miami, Florida

"Joseph-Thanks so much for your continuing help and thanks to Aamie too!"

              -Gail Harris Pacheco

                Department Chairperson

                Ft. Lauderdale, Florida

 
"...Joseph has done an excellent job in keeping me informed and when I needed assistance [he] was very prompt in getting what I needed."

              -Minnie Collier

               Retired Teacher

               Miami, Florida

"...excellent advice and wonderful service. Mr. Chalom is the best."
              -Linda Wills

               Teacher

               Pompano Beach, Florida

"[Joseph] is skilled patient and speaks to the client on their level to insure their understanding of the material."
               -Esther McVoy
                Speech Pathologist

                Miami, Florida

"I am extremely pleased with the advice and service I have received."

            
               -Sandy Baker Hoover

                Counselor

                Miami, Florida