4 Core Financial

MEET OUR ADVISORS

Joe Violetta licensed agent

Joe Violetta

President & CEO

4 Core Financial HQ (Connecticut)

Joe developed and created 4 Core Financial after 21 years of success in the insurance industry. He began leading teams 30 years ago in the marketing area and continues to focus on developing people. Joe rose to the top at Bankers Life and Casualty and was the top Northeast Manager for many years, as well as being a top 5 National Manager in production for 10 straight years. Joe has trained 10,000+ agents, led teams in multiple states, overseen multiple committees and leadership forums.


Joe has impacted the community for 25+ years as a volunteer and field leader in the insurance field, developing successful advisors in areas such as Medicare, Long Term Care, Life Insurance and Financial Planning have left a tremendous impact in the Tri-State Area. Joe has been actively involved in helping over 20,000 families and contributed to over $25,000,000 in benefits to the community. Volunteer work has included the Alzheimer's Association, Little League Baseball and sponsoring food banks.


Joe, his wife Diane, and their two daughters, Natalie and Ava, live in Milford, CT. Both parents have graduate degrees from Sacred Heart University and are extremely proud of their girls. Natalie is attending Pace University as a National Honor and Spanish National Honor Society Student. Ava is a sophomore in high school and is an extremely creative musician and artist.

Call or text: (203) 449-6717

Mike Jadach

Senior Vice President

4 Core Financial HQ (Connecticut)

Michael Jadach is a founding partner and the Senior Vice-President for 4 Core Financial, part of Innovative Financial Group. He started his insurance career 29 years ago as a field agent and has helped thousands of families plan for life’s unknowns. Michael is an experienced leader having trained and developed hundreds of advisors to high levels of performance. With over 25 years of management under his belt, he is skilled in leadership, agent development, recruiting, Medicare Plans, Life Insurance, Annuities, and Long-Term Care Insurance.


Michael, his wife Mary Beth, and their two daughters, Gabrielle and Isabelle, reside in Ansonia, CT. Michael and Mary Beth’s daughters are exceptional students and athletes, and they are enormously proud parents!


Michael was raised by parents who believed success can only be achieved by working hard and never giving up on your dreams. He works hard for his advisors and clients every day and loves working with close-knit families that need his help and expertise in planning for a long, happy life.

Call or text: (203) 231-2814

Ian Gilmartin

Regional Director

4 Core Financial New Jersey

Born in Scotland, Ian emigrated with his family to the United States as a child and has called the NYC metro area of New Jersey home since the early 1980s. An award winning insurance agent and sales manager for over 17 years with Bankers Life, Ian transitioned over to the 4 Core leadership team in early 2021. He has helped thousands of clients in the NY/NJ region and specializes in Retirement Planning, Medicare, Life Insurance and Long Term Care. His passions outside of the office include playing and coaching soccer, golf, fine dining and relaxing on the beautiful beaches of the Jersey Shore with his family.


Ian is committed to educating his clients on the best suited products for the individual, and providing prompt, courteous service.

Call or text: (551) 282-9210

Eugene Mingo

Regional Director

4 Core Financial Westchester County, New York

Eugene has over 25 years of experience working in the financial and insurance industries as an Information Technology Director. In 2015 he decided to use his soft business skills in a direct customer facing role as an Insurance Broker and Retirement Planner. As Eugene explains it, the roles are very similar because with clients you are solving problems and implementing business strategies and since then he has not looked back.


Licensed as an Independent Broker in seven states which include New York, New Jersey, Connecticut, Pennsylvania, Massachusetts, Oklahoma and Virginia, Eugene works with various age groups from 30 and up, focusing on four key areas of one’s retirement: Health; Life/Legacy; Retirement Care; and Retirement Income, but he is particularly fond of working with what he calls the “most underserved yet most deserved group”, those 60 and above implementing Social Security Strategies, Comprehensive Medicare Planning, Final Expense & Life Insurance Planning, Wealth and Asset Protection.


Eugene is a resident of Westchester County, New York is married for over 30 years, has four children, and two grandchildren. Eugene loves to travel, enjoys sports, music, cooking, family and friends. He is also an ordained pastor for over 10 years currently serving in the Bronx, New York and has been a volunteer chaplain for over 7 years in the Westchester County Department of Corrections.


Call or text: (929) 732-7982

Eugene Mingo licensed agent

Eugene Mingo

Regional Director

4 Core Financial Westchester, New York

Eugene has over 25 years of experience working in the financial and insurance industries as an Information Technology Director. In 2015 he decided to use his soft business skills in a direct customer facing role as an Insurance Broker and Retirement Planner. As Eugene explains it, the roles are very similar because as we work with our clients we are mitigating risks and solving problems by implementing key business strategies for one's personal retirement.


Licensed as an Independent Broker in nine states which include Connecticut, Florida, Massachusetts, New Jersey, New York, Pennsylvania, Oklahoma, Texas and Virginia, Eugene works with various age groups from 30 and up, focusing on four key areas of one’s retirement: Health; Life/Legacy; Retirement Care; and Retirement Income, but he is particularly fond of working with what he calls the most underserved yet most deserved group”, those 60 and above implementing Social Security Strategies, Comprehensive Medicare Planning, Final Expense & Life Insurance Planning, Wealth and Asset Protection.


Eugene is a resident of Westchester County, New York is married for over 30 years, has four children, and two grandchildren. Eugene loves to travel, enjoys sports, music, cooking, family and friends. He is also an ordained pastor for over 10 years currently serving in the Bronx, New York and has been a volunteer chaplain for over 7 years in the Westchester County Department of Corrections.

Call or text: (914) 732-7443

Eugene Mingo Regional Director

Eugene Mingo

Regional Director

4 Core Financial Westchester County, New York

Eugene has over 25 years of experience working in the financial and insurance industries as an Information Technology Director. In 2015 he decided to use his soft business skills in a direct customer facing role as an Insurance Broker and Retirement Planner. As Eugene explains it, the roles are very similar because with clients you are solving problems and implementing business strategies and since then he has not looked back.


Licensed as an Independent Broker in seven states which include New York, New Jersey, Connecticut, Pennsylvania, Massachusetts, Oklahoma and Virginia, Eugene works with various age groups from 30 and up, focusing on four key areas of one’s retirement: Health; Life/Legacy; Retirement Care; and Retirement Income, but he is particularly fond of working with what he calls the “most underserved yet most deserved group”, those 60 and above implementing Social Security Strategies, Comprehensive Medicare Planning, Final Expense & Life Insurance Planning, Wealth and Asset Protection.


Eugene is a resident of Westchester County, New York is married for over 30 years, has four children, and two grandchildren. Eugene loves to travel, enjoys sports, music, cooking, family and friends. He is also an ordained pastor for over 10 years currently serving in the Bronx, New York and has been a volunteer chaplain for over 7 years in the Westchester County Department of Corrections.


Call or text: (929) 732-7982

Eugene Mingo licensed agent

Eugene Mingo

Regional Director

4 Core Financial Westchester County, New York

Eugene has over 25 years of experience working in the financial and insurance industries as an Information Technology Director. In 2015 he decided to use his soft business skills in a direct customer facing role as an Insurance Broker and Retirement Planner. As Eugene explains it, the roles are very similar because with clients you are solving problems and implementing business strategies and since then he has not looked back.


Licensed as an Independent Broker in seven states which include New York, New Jersey, Connecticut, Pennsylvania, Massachusetts, Oklahoma and Virginia, Eugene works with various age groups from 30 and up, focusing on four key areas of one’s retirement: Health; Life/Legacy; Retirement Care; and Retirement Income, but he is particularly fond of working with what he calls the “most underserved yet most deserved group”, those 60 and above implementing Social Security Strategies, Comprehensive Medicare Planning, Final Expense & Life Insurance Planning, Wealth and Asset Protection.


Eugene is a resident of Westchester County, New York is married for over 30 years, has four children, and two grandchildren. Eugene loves to travel, enjoys sports, music, cooking, family and friends. He is also an ordained pastor for over 10 years currently serving in the Bronx, New York and has been a volunteer chaplain for over 7 years in the Westchester County Department of Corrections.


Call or text: (929) 732-7982

Eugene Mingo licensed agent

Eugene Mingo

Regional Director

4 Core Financial Westchester County, New York

Eugene has over 25 years of experience working in the financial and insurance industries as an Information Technology Director. In 2015 he decided to use his soft business skills in a direct customer facing role as an Insurance Broker and Retirement Planner. As Eugene explains it, the roles are very similar because with clients you are solving problems and implementing business strategies and since then he has not looked back.


Licensed as an Independent Broker in seven states which include New York, New Jersey, Connecticut, Pennsylvania, Massachusetts, Oklahoma and Virginia, Eugene works with various age groups from 30 and up, focusing on four key areas of one’s retirement: Health; Life/Legacy; Retirement Care; and Retirement Income, but he is particularly fond of working with what he calls the “most underserved yet most deserved group”, those 60 and above implementing Social Security Strategies, Comprehensive Medicare Planning, Final Expense & Life Insurance Planning, Wealth and Asset Protection.


Eugene is a resident of Westchester County, New York is married for over 30 years, has four children, and two grandchildren. Eugene loves to travel, enjoys sports, music, cooking, family and friends. He is also an ordained pastor for over 10 years currently serving in the Bronx, New York and has been a volunteer chaplain for over 7 years in the Westchester County Department of Corrections.


Call or text: (929) 732-7982

Eugene Mingo licensed agent

Eugene Mingo

Regional Director

4 Core Financial Westchester County, New York

Eugene has over 25 years of experience working in the financial and insurance industries as an Information Technology Director. In 2015 he decided to use his soft business skills in a direct customer facing role as an Insurance Broker and Retirement Planner. As Eugene explains it, the roles are very similar because with clients you are solving problems and implementing business strategies and since then he has not looked back.


Licensed as an Independent Broker in seven states which include New York, New Jersey, Connecticut, Pennsylvania, Massachusetts, Oklahoma and Virginia, Eugene works with various age groups from 30 and up, focusing on four key areas of one’s retirement: Health; Life/Legacy; Retirement Care; and Retirement Income, but he is particularly fond of working with what he calls the “most underserved yet most deserved group”, those 60 and above implementing Social Security Strategies, Comprehensive Medicare Planning, Final Expense & Life Insurance Planning, Wealth and Asset Protection.


Eugene is a resident of Westchester County, New York is married for over 30 years, has four children, and two grandchildren. Eugene loves to travel, enjoys sports, music, cooking, family and friends. He is also an ordained pastor for over 10 years currently serving in the Bronx, New York and has been a volunteer chaplain for over 7 years in the Westchester County Department of Corrections.


Call or text: (929) 732-7982

Eugene Mingo licensed agent
Richard Curtis licensed agent

Richard Curtis

4 Core Financial Bronx

Richard W. Curtis, Sr. is a dynamic business professional with over 20 years of experience in the sales and life insurance industry. After working as an Account Executive for one of the largest package delivery companies, Richard redirected his interests to the life insurance industry. A fierce advocate for helping people, especially those with the greatest needs, Richard ensured that every policy he fulfilled would be one to benefit the consumer. As an agent at New York Life Insurance, Richard was the recipient of countless awards, such as; the 2010 Centurion Life Production Case Rate Leader, Northeast Zone Top Producing Agent 2010 Strive for Excellence Campaign and the Executive Council Agent awards. Several years later, Richard went on to work for Dipaola Financial Group and Mass Mutual Metro New York.


Never one to quit and always looking to take advantage of greater opportunities, Richard decided to become an Insurance Broker in 2016 while seeking to obtain his Masters in Finance from his alma mater, Pace University. When Richard isn’t mentoring a newer professional in the industry, he can be found studying for a sermon as the Senior Pastor of his church, Gospel Mission Ministries, Inc., playing the piano with his family (composed of his children) singing group, The Richard Curtis Singers, or running in his backyard with his dogs and grand-children.

Call or text: (917) 213-1774

Trevor Beck licensed agent

Trevor Beck

4 Core Financial Northeast Ohio

Trevor hails from the greater Cleveland, Ohio area and is an active parishioner at St. John Vianney church in Mentor, Ohio. He is an avid Ohio State football fan and prior to insurance, Trevor worked in the accounting and financial services industries.


Trevor has been a licensed agent since 2019 and he is currently licensed in Ohio, New York, Florida, and South Carolina. Education: University of Dayton Pre-law studies and Baruch College for Accountancy.

Call or text: (440) 537-2949

Richard Curtis

4 Core Financial Bronx, New York

Richard W. Curtis, Sr. is a dynamic business professional with over 20 years of experience in the sales and life insurance industry. After working as an Account Executive for one of the largest package delivery companies, Richard redirected his interests to the life insurance industry. A fierce advocate for helping people, especially those with the greatest needs, Richard ensured that every policy he fulfilled would be one to benefit the consumer. As an agent at New York Life Insurance, Richard was the recipient of countless awards, such as; the 2010 Centurion Life Production Case Rate Leader, Northeast Zone Top Producing Agent 2010 Strive for Excellence Campaign and the Executive Council Agent awards. Several years later, Richard went on to work for Dipaola Financial Group and Mass Mutual Metro New York.


Never one to quit and always looking to take advantage of greater opportunities, Richard decided to become an Insurance Broker in 2016 while seeking to obtain his Masters in Finance from his alma mater, Pace University. When Richard isn’t mentoring a newer professional in the industry, he can be found studying for a sermon as the Senior Pastor of his church, Gospel Mission Ministries, Inc., playing the piano with his family (composed of his children) singing group, The Richard Curtis Singers, or running in his backyard with his dogs and grand-children.

Call or text: (917) 213-1774

Richard Curtis licensed agent
Susan Jackson licensed agent

Susan Jackson

4 Core Financial Tampa Bay

Originally from Wisconsin, Susan spent 15 years in the Mid-Atlantic region (Maryland) before moving to the "Sunshine City" of St. Petersburg, Florida where she enjoys roller skating and outdoor life, but also watching her beloved Green Bay Packers during football season.


After spending her early career in the software industry, Susan transitioned into the insurance industry and hasn't looked back. Susan specializes in helping small business owners with their insurance needs and can assist with all of your Medicare, life insurance, health insurance, or annuity needs in Florida, Georgia, Maryland, Virginia, Wisconsin, Ohio, and Michigan. Click the link below to book an appointment with her.

Call or text: (443) 347-5505

4 Core Financial

MEET OUR ADVISORS

Joe Violetta licensed agent

Joe Violetta

President & CEO

4 Core Financial HQ (Connecticut)

Joe developed and created 4 Core Financial after 21 years of success in the insurance industry. He began leading teams 30 years ago in the marketing area and continues to focus on developing people. Joe rose to the top at Bankers Life and Casualty and was the top Northeast Manager for many years, as well as being a top 5 National Manager in production for 10 straight years. Joe has trained 10,000+ agents, led teams in multiple states, overseen multiple committees and leadership forums.


Joe has impacted the community for 25+ years as a volunteer and field leader in the insurance field, developing successful advisors in areas such as Medicare, Long Term Care, Life Insurance and Financial Planning have left a tremendous impact in the Tri-State Area. Joe has been actively involved in helping over 20,000 families and contributed to over $25,000,000 in benefits to the community. Volunteer work has included the Alzheimer's Association, Little League Baseball and sponsoring food banks.


Joe, his wife Diane, and their two daughters, Natalie and Ava, live in Milford, CT. Both parents have graduate degrees from Sacred Heart University and are extremely proud of their girls. Natalie is attending Pace University as a National Honor and Spanish National Honor Society Student. Ava is a sophomore in high school and is an extremely creative musician and artist.

Call or text: (203) 449-6717

Mike Jadach

Senior Vice President

4 Core Financial HQ (Connecticut)

Michael Jadach is a founding partner and the Senior Vice-President for 4 Core Financial, part of Innovative Financial Group. He started his insurance career 29 years ago as a field agent and has helped thousands of families plan for life’s unknowns. Michael is an experienced leader having trained and developed hundreds of advisors to high levels of performance. With over 25 years of management under his belt, he is skilled in leadership, agent development, recruiting, Medicare Plans, Life Insurance, Annuities, and Long-Term Care Insurance.


Michael, his wife Mary Beth, and their two daughters, Gabrielle and Isabelle, reside in Ansonia, CT. Michael and Mary Beth’s daughters are exceptional students and athletes, and they are enormously proud parents!


Michael was raised by parents who believed success can only be achieved by working hard and never giving up on your dreams. He works hard for his advisors and clients every day and loves working with close-knit families that need his help and expertise in planning for a long, happy life.

Call or text: (203) 231-2814

Ian Gilmartin

Regional Director

4 Core Financial New Jersey

Born in Scotland, Ian emigrated with his family to the United States as a child and has called the NYC metro area of New Jersey home since the early 1980s. An award winning insurance agent and sales manager for over 17 years with Bankers Life, Ian transitioned over to the 4 Core leadership team in early 2021. He has helped thousands of clients in the NY/NJ region and specializes in Retirement Planning, Medicare, Life Insurance and Long Term Care. His passions outside of the office include playing and coaching soccer, golf, fine dining and relaxing on the beautiful beaches of the Jersey Shore with his family.


Ian is committed to educating his clients on the best suited products for the individual, and providing prompt, courteous service.

Call or text: (551) 282-9210

Eugene Mingo Regional Director

Eugene Mingo

Regional Director

4 Core Financial Westchester, New York

Eugene has over 25 years of experience working in the financial and insurance industries as an Information Technology Director. In 2015 he decided to use his soft business skills in a direct customer facing role as an Insurance Broker and Retirement Planner. As Eugene explains it, the roles are very similar because as we work with our clients we are mitigating risks and solving problems by implementing key business strategies for one's personal retirement.


Licensed as an Independent Broker in nine states which include New York, New Jersey, Connecticut, Florida, Pennsylvania, Massachusetts, Oklahoma, Texas and Virginia, Eugene works with various age groups from 30 and up, focusing on four key areas of one’s retirement: Health; Life/Legacy; Retirement Care; and Retirement Income, but he is particularly fond of working with what he calls the “most underserved yet most deserved group”, those 60 and above implementing Social Security Strategies, Comprehensive Medicare Planning, Final Expense & Life Insurance Planning, Wealth and Asset Protection.


Eugene is a resident of Westchester County, New York is married for over 30 years, has four children, and two grandchildren. Eugene loves to travel, enjoys sports, music, cooking, family and friends. He is also an ordained pastor for over 10 years currently serving in the Bronx, New York and has been a volunteer chaplain for over 7 years in the Westchester County Department of Corrections.

Call or text: (914) 732-7443

Ralph Anthony licensed agent

Ralph Anthony

4 Core Financial Northeast Ohio

Born and raised in Hamden, CT. Graduated from Eastern Connecticut State University with a degree in business marketing and minor in communication. At Eastern I was a founding father of a fraternity and after school continued my passion for helping the community in a different way. I got into insurance to help protect families from financial hardships of losing a loved one or needing extended medical care like I experienced in my own family. Outside of helping families, I enjoy spending time with my little niece and nephew. Playing basketball, traveling, and hiking.

Call or text: (203) 535-2572

Trevor Beck licensed agent

Trevor Beck

4 Core Financial Northeast Ohio

Trevor hails from the greater Cleveland, Ohio area and is an active parishioner at St. John Vianney church in Mentor, Ohio. He is an avid Ohio State football fan and prior to insurance, Trevor worked in the accounting and financial services industries.


Trevor has been a licensed agent since 2019 and he is currently licensed in Ohio, New York, Florida, and South Carolina. Education: University of Dayton Pre-law studies and Baruch College for Accountancy.

Call or text: (440) 537-2949

Richard Curtis licensed agent

Richard Curtis

4 Core Financial Bronx

Richard W. Curtis, Sr. is a dynamic business professional with over 20 years of experience in the sales and life insurance industry. After working as an Account Executive for one of the largest package delivery companies, Richard redirected his interests to the life insurance industry. A fierce advocate for helping people, especially those with the greatest needs, Richard ensured that every policy he fulfilled would be one to benefit the consumer. As an agent at New York Life Insurance, Richard was the recipient of countless awards, such as; the 2010 Centurion Life Production Case Rate Leader, Northeast Zone Top Producing Agent 2010 Strive for Excellence Campaign and the Executive Council Agent awards. Several years later, Richard went on to work for Dipaola Financial Group and Mass Mutual Metro New York.


Never one to quit and always looking to take advantage of greater opportunities, Richard decided to become an Insurance Broker in 2016 while seeking to obtain his Masters in Finance from his alma mater, Pace University. When Richard isn’t mentoring a newer professional in the industry, he can be found studying for a sermon as the Senior Pastor of his church, Gospel Mission Ministries, Inc., playing the piano with his family (composed of his children) singing group, The Richard Curtis Singers, or running in his backyard with his dogs and grand-children.

Call or text: (917) 213-1774

Susan Jackson licensed agent

Susan Jackson

4 Core Financial Tampa Bay

Originally from Wisconsin, Susan spent 15 years in the Mid-Atlantic region (Maryland) before moving to the "Sunshine City" of St. Petersburg, Florida where she enjoys roller skating and outdoor life, but also watching her beloved Green Bay Packers during football season.


After spending her early career in the software industry, Susan transitioned into the insurance industry and hasn't looked back. Susan specializes in helping small business owners with their insurance needs and can assist with all of your Medicare, life insurance, health insurance, or annuity needs in Florida, Georgia, Maryland, Virginia, Wisconsin, Ohio, and Michigan. Click the link below to book an appointment with her.

Call or text: (443) 347-5505

4 Core Financial Connecticut

4 Core Financial Mid-Atlantic (MD/DE/DC/VA)

4 Core Financial New Jersey

4 Core Financial Westchester, New York

4 Core Financial Bronx

4 Core Financial Northeast Ohio

4 Core Financial Tampa Bay

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Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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