Joe Zimmerman

Watch a quick video to learn about our
"River of Wealth Income Strategy".

Peace of mind that comes with retirement income that's guaranteed to last as long as you do!

About Us

Joseph Zimmermann | Wealth Architect

Joseph Zimmermann, the founder of Pure River Wealth, LLC, specializes in protecting assets and future retirement. Having initially worked with a corporate finance company dealing only with variable funds, he felt compelled to serve clients with better products that guarantee principle, safety, and future income.

Joe’s desire to help others is the bedrock of his dedication to his client’s financial success. He is determined to offer client solutions with ethics and integrity.

Joseph concentrates on removing his client’s money from market volatility and has helped countless individuals avoid the significant retirement losses that many experience year after year due to market uncertainty. Joe loves knowing that none of his clients have ever lost a dime or missed a lifetime income payment from market risk.

Joseph and his beautiful wife, Megan, live in Oshkosh, WI, where they are active members of their local Church. They are blessed with four children and you can find them on many weekends getting out in nature hiking the local state and national parks of Wisconsin, Michigan, and Minnesota. They also enjoy spending time at their family cottage on a quiet lake in Northwoods Wisconsin.

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Joe and his wife Megan

Our Services
What We Do For Clients

Asset Protection

Retirement doesn’t mean that it’s time to stop growing. Same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.

We specialize in helping retirees protect their retirement assets while continuing to move forward.

Family Legacy Planning

Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!

We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.

-Trust -Probate -Charitable Giving -Estate Planning

Extended Care Solutions

Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.

The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t.

Retirement Income

Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.

We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. Let us get to work on a plan for you.

Tax Planning

We'll look at the taxable nature of your current assets and potential ways to include tax-deferred or tax-free money in your retiremtn strategy.

Tax-efficient strategies

Income Planning

Our goal is to help ensure your expenses are apid with reliability and predictability for the rest of your life.

Retirement income strategies
Annuities

The River Of Wealth™ Process

Our proven and trademarked method to help you live a better retirement.

Step 1: Build Relationship

We'll sit down and learn about what a great retirement means to you and start to create a plan.

Step 2: Portfolio Diagnostic

We'll dive into your portfolio to make sure we get the most out of your hard-earned money.

Step 3: River of Wealth Plan

We'll create a custom retirement plan following our River of Wealth Process.

Step 4: Advanced Tax Planning

We'll craft a detailed approach to avoiding unnecessary taxes customized to your situation.

Step 5: Planning for the long-term

We'll build a comprehensive strategy to ensure that the detailed plans we make now are as effective today as they will be years down the road.

Learn more about the River Of Wealth

Can You Afford Losses In Your Retirement?

Did you know that Warren Buffett's number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!

Here’s why:
Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? What? How can that be?

A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again.

Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the insurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%! How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?

We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!

Learn about this and much more, in Joe's book, Safe Money.
Request your complimentary copy….