My name is Joseph Byers and I have over 20 years of expertise in Personal Finance, Insurance, and Consumer/Commercial Lending. I currently hold a Master of Science, Business Management from the University of Saint Mary as well as a Bachelor of Science, Criminal Justice Administration from Missouri Western State University. My personal motto has always been to listen to the client's needs first and align my offering to their specific request. I believe that all people want/need to be heard, and I have built my career upon that. I believe that when an individual gets the proper attention in the beginning stages of an interaction we have a greater opportunity to deliver a favorable outcome for the client. That is my goal with every opportunity presented.