{"id":40,"date":"2015-04-02T14:32:24","date_gmt":"2015-04-02T14:32:24","guid":{"rendered":"http:\/\/www.keystoneinsurance.us\/?page_id=40"},"modified":"2026-10-06T02:54:56","modified_gmt":"2026-10-06T02:54:56","slug":"40-2","status":"publish","type":"page","link":"https:\/\/keystoneinsurance.us\/","title":{"rendered":"Fiduciary Financial Advisors in DuBois &amp; Altoona, PA | Joe Zappia, CRPC\u00ae &amp; Team"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Thank you for your business!\" width=\"1050\" height=\"591\" src=\"https:\/\/www.youtube.com\/embed\/rsrkcEYnFow?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n<h2>Welcome to:\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/h2>\n<h1><a href=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/cropped-Zappia-Venn-Logo-Corrected-1-300x158-3.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1027 \" src=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/cropped-Zappia-Venn-Logo-Corrected-1-300x158-3.png\" alt=\"\" width=\"289\" height=\"152\" \/><\/a><a href=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/06\/2024-RC-Badge.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-1181\" src=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/06\/2024-RC-Badge.jpg\" alt=\"\" width=\"243\" height=\"199\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/06\/2024-RC-Badge.jpg 481w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/06\/2024-RC-Badge-300x246.jpg 300w\" sizes=\"auto, (max-width: 243px) 100vw, 243px\" \/><\/a><\/h1>\n<figure id=\"attachment_1339\" aria-describedby=\"caption-attachment-1339\" style=\"width: 300px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2025\/12\/badge_gold_a3vKHv-1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-1339\" src=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2025\/12\/badge_gold_a3vKHv-1-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2025\/12\/badge_gold_a3vKHv-1-300x300.png 300w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2025\/12\/badge_gold_a3vKHv-1-150x150.png 150w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2025\/12\/badge_gold_a3vKHv-1.png 701w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><figcaption id=\"caption-attachment-1339\" class=\"wp-caption-text\">2025 Best Financial Planners Gold &#8211; Best of Tri-County Awards DuBois, PA<\/figcaption><\/figure>\n<h1><a href=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/12\/badge_gold_QyhQer-2.png\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-1273\" src=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/12\/badge_gold_QyhQer-2.png\" alt=\"\" width=\"193\" height=\"193\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/12\/badge_gold_QyhQer-2.png 2917w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/12\/badge_gold_QyhQer-2-300x300.png 300w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/12\/badge_gold_QyhQer-2-1024x1024.png 1024w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/12\/badge_gold_QyhQer-2-150x150.png 150w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/12\/badge_gold_QyhQer-2-768x768.png 768w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/12\/badge_gold_QyhQer-2-1536x1536.png 1536w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/12\/badge_gold_QyhQer-2-2048x2048.png 2048w\" sizes=\"auto, (max-width: 193px) 100vw, 193px\" \/><\/a><\/h1>\n<div class=\"mceTemp\">\n<h1><a href=\"https:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2021\/09\/CRPC-Black-TM.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-916\" src=\"https:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2021\/09\/CRPC-Black-TM.png\" alt=\"\" width=\"214\" height=\"214\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2021\/09\/CRPC-Black-TM.png 680w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2021\/09\/CRPC-Black-TM-300x300.png 300w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2021\/09\/CRPC-Black-TM-150x150.png 150w\" sizes=\"auto, (max-width: 214px) 100vw, 214px\" \/><\/a><a href=\"https:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/CMIP-Star-No-background-1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-1116\" src=\"https:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/CMIP-Star-No-background-1.png\" alt=\"\" width=\"214\" height=\"235\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/CMIP-Star-No-background-1.png 1382w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/CMIP-Star-No-background-1-273x300.png 273w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/CMIP-Star-No-background-1-933x1024.png 933w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/CMIP-Star-No-background-1-768x843.png 768w\" sizes=\"auto, (max-width: 214px) 100vw, 214px\" \/><\/a><\/h1>\n<h1>\u00a0<\/h1>\n<h2><em><strong>Call 1-800-569-2867<\/strong><\/em><\/h2>\n<h1><a href=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/2016-readers-choice-trophy-1-638.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-1029\" src=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/2016-readers-choice-trophy-1-638.jpg\" alt=\"\" width=\"135\" height=\"201\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/2016-readers-choice-trophy-1-638.jpg 638w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/2016-readers-choice-trophy-1-638-202x300.jpg 202w\" sizes=\"auto, (max-width: 135px) 100vw, 135px\" \/> <\/a><a href=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2022\/05\/Best-Of-Tri-County2021Winner.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-999\" src=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2022\/05\/Best-Of-Tri-County2021Winner.png\" alt=\"\" width=\"164\" height=\"164\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2022\/05\/Best-Of-Tri-County2021Winner.png 701w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2022\/05\/Best-Of-Tri-County2021Winner-300x300.png 300w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2022\/05\/Best-Of-Tri-County2021Winner-150x150.png 150w\" sizes=\"auto, (max-width: 164px) 100vw, 164px\" \/><\/a><a href=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/2022-Best-of-Tri-County-Silver.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-1028\" src=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/2022-Best-of-Tri-County-Silver.png\" alt=\"\" width=\"167\" height=\"167\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/2022-Best-of-Tri-County-Silver.png 701w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/2022-Best-of-Tri-County-Silver-300x300.png 300w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2022\/11\/2022-Best-of-Tri-County-Silver-150x150.png 150w\" sizes=\"auto, (max-width: 167px) 100vw, 167px\" \/><\/a><a href=\"https:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/Best-Of-Tri-County2023GoldWinner.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-1106\" src=\"https:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/Best-Of-Tri-County2023GoldWinner.png\" alt=\"\" width=\"167\" height=\"167\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/Best-Of-Tri-County2023GoldWinner.png 2917w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/Best-Of-Tri-County2023GoldWinner-300x300.png 300w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/Best-Of-Tri-County2023GoldWinner-1024x1024.png 1024w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/Best-Of-Tri-County2023GoldWinner-150x150.png 150w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/Best-Of-Tri-County2023GoldWinner-768x768.png 768w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/Best-Of-Tri-County2023GoldWinner-1536x1536.png 1536w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2024\/02\/Best-Of-Tri-County2023GoldWinner-2048x2048.png 2048w\" sizes=\"auto, (max-width: 167px) 100vw, 167px\" \/><\/a><a href=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/17388908_10154944053575803_8089147791065134426_o.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-539\" src=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/17388908_10154944053575803_8089147791065134426_o.jpg\" alt=\"\" width=\"253\" height=\"177\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/17388908_10154944053575803_8089147791065134426_o.jpg 2048w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/17388908_10154944053575803_8089147791065134426_o-300x210.jpg 300w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/17388908_10154944053575803_8089147791065134426_o-768x539.jpg 768w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/17388908_10154944053575803_8089147791065134426_o-1024x719.jpg 1024w\" sizes=\"auto, (max-width: 253px) 100vw, 253px\" \/><\/a><\/h1>\n<h1>\u00a0<\/h1>\n<h1>\u00a0<\/h1>\n<h2><em><strong>Joe Zappia, III, CRPC\u00ae,<\/strong><\/em><\/h2>\n<h2><em><strong>CMIP\u00ae, <\/strong><\/em><em><strong>CFEI\u00ae was the first financial advisor f<\/strong>eatured on the Greater DuBois Chamber of Commerce&#8217;s podcast &#8220;Let&#8217;s Talk Business.&#8221;<\/em><\/h2>\n<p><iframe loading=\"lazy\" title=\"Joe Zappia&amp;apos;s  Chamber Connections Podcast\" width=\"1050\" height=\"591\" src=\"https:\/\/www.youtube.com\/embed\/w_U8VZUQmaI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<h3><span style=\"color: #0000ff\"><a style=\"color: #0000ff\" href=\"http:\/\/ow.ly\/4ynK50Fqoqr\" rel=\"noopener\">Overcoming 7 Retirement Roadblocks Webinar &#8211; Click to Watch Now!<\/a><\/span><\/h3>\n<p><span style=\"font-size: medium\"><span style=\"font-family: &#039;Times New Roman&#039;, Times, serif\"><b>Hire a Fiduciary Financial Advisor DuBois PA &#8211; &#8211; Social Security, Retirement Income Planning, Retirement Tax Planning, IRMAA Planning, and Roth Conversion Strategies &#8211; <\/b><\/span><\/span><span style=\"font-size: medium\"><span style=\"font-family: &#039;Times New Roman&#039;, Times, serif\"><b>Worried about running out of money in retirement? Can&#8217;t find a way to safely protect &amp; grow your money?\u00a0 <strong>Joe Zappia, III, CRPC\u00ae, CFEI\u00ae, CMIP\u00ae &amp; Team at <\/strong>Venn Financial Solutions, local fiduciary financial advisors near me in Clearfield, PA, help with wealth management, investment planning, retirement planning, and Business Succession Planning, give individuals and families the ability to plan for long-term safety and security in Altoona PA.\u00a0 They have 65+ years of combined industry experience! Affordable health insurance plans, Medicare supplements, Medicare Advantage Plans, retirement income planning, annuities, mutual funds, exchange-traded funds (ETFs), and more ensure clients can be confident in their future plans and safe against illness, injury, and other critical events. You will receive excellent coverage as well as personal service to answer any questions or concerns you may have.\u00a0 We also provide Independent, Virtual Wealth Management and Virtual Fiduciary Financial Advisory Services to Pennsylvania residents in St. Mary&#8217;s, PA, and State College, PA.\u00a0<\/b><\/span><\/span><\/p>\n<p><span style=\"font-size: medium\"><span style=\"font-family: &#039;Times New Roman&#039;, Times, serif\"><b>Clarion PA Fiduciary Retirement Planners &#8211; The Bob Knox\/Joe Zappia Team at Venn Financial Solutions is the recipient of the 2024 Readers&#8217; Choice award for Best Financial Advisors\/Best Financial Planning Firm\/Best Wealth Management Firm by Tri-County Weekend Newspaper in DuBois PA.\u00a0 Our team won the <\/b><\/span><\/span><span style=\"font-size: medium\"><span style=\"font-family: &#039;Times New Roman&#039;, Times, serif\"><b>2021, 2023-2025 Best Financial Planners\/Best Wealth Management Firm (Gold) &amp; 2022 Best Financial Planners (Silver) in the Best of Tri-County (Clearfield, Jefferson, and Elk Counties, in PA)! <span style=\"font-size: inherit\">Joe is currently pursuing both the CERTIFIED FINANCIAL PLANNER\u2122 &#8211; CFP\u00ae certification and a Master of Science Degree in Personal Financial Planning from The College of Financial Planning in Centennial, CO. The MSPFP is an accredited program by the Higher Learning Commission.<\/span><\/b><\/span><\/span><\/p>\n<h3><strong>DuBois Office:<\/strong><\/h3>\n<p><\/p>\n<h3><em><strong>Call 1-800-569-2867<\/strong><\/em><\/h3>\n<p><span style=\"font-size: medium\"><span style=\"font-family: &#039;Times New Roman&#039;, Times, serif\"><b>Punxsutawney PA Financial Advisors &#8211; Joe Zappia w<\/b><b>orks together with licensed fiduciary Bob Knox (with Venn Financial Solutions) serving Brockway PA, DuBois PA, Pittsburgh, Cranberry, Indiana PA, Punxsutawney, State College, Altoona, and all of Pennsylvania.\u00a0 Bob Knox is originally from Cincinnati, OH.\u00a0 We are an independent <\/b><strong>investment<\/strong><b> and financial planning firm focused on you, the client. As fiduciaries, we are required by law to do what is in the client&#8217;s best interest.\u00a0 We can help with wealth transfers &amp; sudden inheritances.\u00a0 We work with attorneys specializing in elder law.\u00a0 We use low-cost funds designed to keep fees and expenses low.\u00a0<\/b><\/span><\/span><\/p>\n<p><strong>DuBois PA IRMAA Planning &amp; Wealth Management &#8211; With medicare supplement, life, health or critical illness insurance plans, you will never be caught unaware. If you are seriously injured, fall ill, or if you are in need of regular health check-ups for you or a child, rest assured you will receive the coverage you deserve in Hollidaysburg PA.\u00a0 <\/strong>What is Medicare\u2019s\u00a0<strong>IRMAA<\/strong>? The Medicare Income-Related Monthly Adjustment Amount (IRMAA) is\u00a0<strong>an amount you may pay in addition to your Part B and\/or Part D premium if you have a\u00a0<em>high income<\/em>\u00a0above a certain level<\/strong>. The Social Security Administration (SSA) sets four income brackets that determine your (or you and your spouse\u2019s) IRMAA. We can help you with IRMAA planning and Wealth Management in DuBois &amp; Altoona, PA.<\/p>\n<p><strong>Pittsburgh PA Financial Advisor &#8211; Joe Zappia, III, CRPC\u00ae, CFEI\u00ae, CMIP\u00ae &amp; Team provide in-depth information about your money to help you make informed decisions that work best for you.\u00a0 As well as safeguarding against health concerns, you can also plan for a comfortable future with long-term care options, annuities, retirement income planning, and estate planning in Du Bois, Altoona, Port Matilda, and western PA.<\/strong><\/p>\n<p><strong>Medicare Agents &amp; Brokers DuBois PA &amp; Altoona PA &#8211; Joe Zappia &amp; Team are able to offer the same price as &#8220;direct&#8221; with the service of local, experienced agents, have been serving Western and Central Pennsylvania families and businesses for over 40 years, and plan to continue for another 30+ years. \u00a0<\/strong><\/p>\n<p><strong>Is your financial advisor retiring soon?\u00a0 Many investment managers, insurance agents, wealth managers, and financial planners in Indiana PA, Clarion, Brookville, DuBois PA, St. Marys, Clearfield, Curwensville, Philipsburg, State College PA, and Altoona PA will be retiring in the next five to ten years and those &#8220;direct&#8221; call centers in another state don&#8217;t provide proper service. \u00a0At those &#8220;direct&#8221; call centers and at the massively large insurance brokers, you&#8217;re just a number.<\/strong><\/p>\n<p><strong>Our manager and owner,\u00a0<\/strong><strong>Joe Zappia, III, CRPC\u00ae, CFEI\u00ae, CMIP\u00ae, a fiduciary advisor near Brockway, PA, has over 25 years of business experience, has a bachelor&#8217;s degree in a business-related field, and has been licensed for OVER 20 years!\u00a0 But, being one of the younger wealth managers, he won&#8217;t be retiring for at least 20 years, giving you a friend to call in your time of need.\u00a0 Joe holds the CRPC\u00ae &#8211; Chartered Retirement Planning Counselor <span style=\"color: #222222;font-family: Arial, sans-serif\">\u2120<\/span>\u00a0 &#8211; designation conferred by the College for Financial Planning, the CFEI\u00ae &#8211; Certified Financial Education Instructor <span style=\"color: #222222;font-family: Arial, sans-serif\">\u2120<\/span>\u00a0 designation awarded by the National Financial Educators&#8217; Council, the <\/strong><strong>CMIP\u00ae &#8211; Certified Medicare Insurance Planner\u2122 designation, and is a licensed fiduciary in Du Bois PA.\u00a0 As a fiduciary advisor, he is required by law to act solely in his client&#8217;s best interest.\u00a0 We are also virtual fiduciary financial advisors for Bradford, PA 16701.<\/strong><\/p>\n<p><strong>Contact Fiduciary Joe Zappia, III, CRPC\u00ae, CFEI\u00ae, CMIP\u00ae, &amp; Team at Venn Financial Solutions today to learn more. We have all of the important insurance companies available and serve Erie PA, Bradford, Treasure Lake, Ridgway, Clarion, Titusville, Warren PA, <\/strong><strong>Monroeville,\u00a0<\/strong><strong>Robinson, Beaver Falls, <\/strong><strong>Cranberry Township 16066, New Castle, Grove City,\u00a0<\/strong><strong>Sharon, Greenville, Hermitage, <\/strong><strong>Oil City, Franklin, and all of Western and Central Pennsylvania.<\/strong><\/p>\n<p><strong>Thank you for voting our financial advisory and wealth management firm the 2016 Favorite Insurance Agency in the Tri-County Sunday and Courier-Express Readers&#8217; Choice Awards!<\/strong><\/p>\n<p><strong>Call (814) 371-4901, (412) 265-6383, or 1-800-569-2867\u00a0<\/strong><\/p>\n<p>Altoona PA, Hollidaysburg PA, Port Matilda PA Financial Advisor &#8211; Joseph C. Zappia, III, CFEI, and Robert J. Knox of Zappia Insurance &amp; Financial Group offer Investment Advisory Services through their registration with Venn Wealth &amp; Benefit Services, LLC. A Pennsylvania Registered Investment Advisor. Zappia Insurance &amp; Financial Group and Venn Wealth &amp; Benefit Services, LLC are not affiliated entities.\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/p>\n<h2 class=\"widgettitle\">CONNECT WITH US<\/h2>\n<p><a href=\"https:\/\/www.facebook.com\/ZappiaInsurance.CranberryPittsburgh\" target=\"_blank\" rel=\"noopener\">https:\/\/www.facebook.com\/ZappiaInsurance.CranberryPittsburgh<\/a><\/p>\n<p><a href=\"https:\/\/www.facebook.com\/ZappiaInsurance\" target=\"_blank\" rel=\"noopener\">https:\/\/www.facebook.com\/ZappiaInsurance<\/a><\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/company\/zappia-insurance-and-financial-group\" target=\"_blank\" rel=\"noopener\">https:\/\/www.linkedin.com\/company\/zappia-insurance-and-financial-group<\/a><\/p>\n<p>20+ Year Member \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a010+ Year Member<\/p>\n<p><a title=\"Greater DuBois Chamber of Commerce\" href=\"http:\/\/www.duboispachamber.com\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-28\" src=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/chamberlogo.png\" alt=\"chamberlogo\" width=\"114\" height=\"74\" \/><\/a>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<a href=\"http:\/\/www.duboisareajaycees.com\/index.html\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-168\" src=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/DuBoisAreaJaycees.jpg\" alt=\"DuBoisAreaJaycees\" width=\"155\" height=\"57\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/DuBoisAreaJaycees.jpg 1406w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/DuBoisAreaJaycees-300x110.jpg 300w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/DuBoisAreaJaycees-1024x377.jpg 1024w\" sizes=\"auto, (max-width: 155px) 100vw, 155px\" \/><\/a>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<a href=\"http:\/\/www.visitpa.com\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-198\" src=\"http:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/pa_visit_pa.jpg\" alt=\"pa_visit_pa\" width=\"171\" height=\"57\" \/><\/a><\/p>\n<\/div>\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"540\" data-id=\"33\" src=\"https:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/AlwaysHereForOurCommunityDuBois.jpg\" alt=\"\" class=\"wp-image-33\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/AlwaysHereForOurCommunityDuBois.jpg 960w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/AlwaysHereForOurCommunityDuBois-300x169.jpg 300w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"541\" data-id=\"90\" src=\"https:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/ZappiaFamGinaWhiteCoat1.jpg\" alt=\"\" class=\"wp-image-90\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/ZappiaFamGinaWhiteCoat1.jpg 960w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/ZappiaFamGinaWhiteCoat1-300x169.jpg 300w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"816\" height=\"460\" data-id=\"24\" src=\"https:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/DuBDowntownSpring.jpg\" alt=\"\" class=\"wp-image-24\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/DuBDowntownSpring.jpg 816w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/DuBDowntownSpring-300x169.jpg 300w\" sizes=\"auto, (max-width: 816px) 100vw, 816px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" data-id=\"21\" src=\"https:\/\/www.keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/PittsburghCity-1024x577.jpg\" alt=\"\" class=\"wp-image-21\" srcset=\"https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/PittsburghCity-1024x577.jpg 1024w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/PittsburghCity-300x169.jpg 300w, https:\/\/keystoneinsurance.us\/wp-content\/uploads\/2015\/04\/PittsburghCity.jpg 1632w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Welcome to:\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0 \u00a0 Call 1-800-569-2867 \u00a0 \u00a0 Joe Zappia, III, CRPC\u00ae, CMIP\u00ae, CFEI\u00ae was the first financial advisor featured on the Greater DuBois Chamber of Commerce&#8217;s podcast &#8220;Let&#8217;s Talk [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-40","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/pages\/40","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=40"}],"version-history":[{"count":0,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/pages\/40\/revisions"}],"wp:attachment":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=40"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}