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Joseph F. DeNoyior

Specializing in retirement plan consulting, participant education and investment analysis.

Global Retirement Partners LLC



Contact Me



Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
  • Insurance
    • -Life Insurance
    • -Health Insurance
    • -Long-Term Care Insurance
    • -Annuities
    • -Business Insurance
  • Pension Consulting
    • -401k
    • -403b
    • -457
    • -Defined Benefit
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types



No timeline events available.
Employer Years Dates
Hub International, Inc. 7 months, 1 week Sep 2019 - Present
Global Retirement Partners, LLC 4 years, 5 months Nov 2015 - Present
Hub International Investment Services, Inc. 4 years, 5 months Nov 2015 - Present
Lpl Financial, LLC 7 years, 5 months Nov 2012 - Present
Washington Financial Group, Inc. 20 years, 5 months Nov 1999 - Present
Mml Investors Services, Inc. 21 years, 8 months Mar 1991 - Nov 2012
Massachusetts Mutual Life Insurance Comp 22 years, 5 months Jun 1990 - Nov 2012

Designations & Memberships

  • American Society of Pension Professionals & Actuaries
    American Society of Pension Professionals & Actuaries
    The American Society of Pension Professionals & Actuaries is the premier educator and policy advocate for over 7,500 career professionals actively engaged in the retirement plan industry.
  • Accredited Investment Fiduciary
    Accredited Investment Fiduciary
    The Accredited Investment Fiduciary® (AIF®) designation represents a thorough knowledge of and ability to apply the fiduciary practices.
  • Certified 401(k) Professional
    Certified 401(k) Professional
    The C(k)P designation represents the pinnacle of achievement for the professional Retirement Plan Advisor, recognizing a combination of substantial practice retirement plan management experience, and the completion of a comprehensive and highly specialized educational program.
  • Chartered Retirement Plans Specialist
    Chartered Retirement Plans Specialist
    The CRPS Program is specifically targeted at professionals who design, install, and maintain retirement plans for the business community.

Articles and Answers

Insights by Joseph Denoyior

Managing Retirement Concerns
Published 2014-06-19 07:52:57
Understanding Nonqualified Retirement Plans
Published 2013-07-09 11:00:50
Saving is Always in Season
Published 2013-07-09 10:48:34
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    What is Index Universal Life. Why is it being sold as a 7702 plan, Can I withdraw any amount of money without a tax penalty?
    The appeal of index universal life products is partly due to the fact that they can be illustrated at interest rates that are higher than those currently being credited to fixed interest universal life policies. There is no standardization for the methodologies used to illustrate current cash values...  (more)
    Answered Jul 2013
    I received a letter from social security that i have a certain amount of money due to me by Unicare savings plan from 2001. i am trying to find out how can i go about receiving this benefit.
    The Social Security Administration sends these notices to individuals who file a claim for social security benefits. It is a “reminder” notice that there could be benefits help by previous employer(s) that you are entitled to, e.g. a 401(k) account held at old employer.More information can be foun...  (more)
    Answered Jul 2013
    We would like to submit an RFP for invtmnt advry srvs for a DCplan. Can u provide us a scope of work doc template?
    Company Name Company Address Primary Contact Name, Phone, Email, Years in Business, Current/Pending Claims, Include Biography, Years with current firm Will the primary contact be the only person we will be working with? 4b. Secondary Contact4c. Third ContactAre there any expected change...  (more)
    Answered Dec 2013
    Can i max out my 401k and a roth ira and a tradtitional ira?
    You can contribute to a traditional or Roth IRA whether or not you participate in another retirement plan through your employer or business. However, you might not be able to deduct all of your traditional IRA contributions if you or your spouse participates in another retirement plan at work. Roth ...  (more)
    Answered Jul 2013
    If I want to withdraw money from my 401K from the account where I no longer work, must I rollover the 401K into an IRA?
    You don't have to roll it over, but it's in your best interest to, both in terms of convenience and control.By moving the money into an IRA, you're opening yourself up to the entire universe of investments. You can choose any investment company you'd like to manage your account.There is one caveat...  (more)
    Answered Aug 2013
    Just curious what options And percentages you recommend within my 401k... Below is my current allocations.
    It appears that your plan is with MassMutual (just a guess based on the list of the funds). If so, you can log onto their web site and click on "my account" and then "investment selection". From there you can go to help me choose by risk or age. If you click on by risk it will take you a risk profil...  (more)
    Answered Dec 2013
    How do I find out if Exelon's 401(k) permits partial in service transfers?
    Your best bet is to contact the plan's administrator. Start with human resources, they'll either be able to answer that question for you or point you in the right direction of who to contact....  (more)
    Answered Jul 2013
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Nov 26, 2019
      • license status
      • disclosures
      • as of date
        Nov 26, 2019
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      Last updated on Nov. 27, 2019
        • $900.0M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 200
          number of clients
        • $4.5M
          Estimated Average Account Balance Per Client

      Global Retirement Partners LLC

      Last updated on March 30, 2020
        • $67.7B
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 12K
        • $5.9M
          Estimated Average Account Balance


      Types of Compensation Arrangements