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Just as we want to get to know you personally, we want you to know our team on both a professional and individual level.

Our people are what truly set us apart among wealth management firms. Not only do we serve you with investment advisory experience of more than 85 years spread across our team of seasoned financial services professionals, but each of our team members has a genuine passion for helping our clients achieve their personal goals.

Learn more about the Independence Retirement Advisors team below.



Joseph M. Cucinotta, Sr., EA Registered Representative President

Joseph M. Cucinotta, Sr., EA
Registered Representative

After graduating from Drexel University in 1977, Joseph M. Cucinotta, Sr. began servicing the tax preparation and financial structuring needs of the greater Philadelphia area. Over the years, his unique approach, personal care and professionalism has earned him a high level of trust and respect throughout the community.


Being the quintessential family man, Joe Sr. was elated when Joe Jr. and John (two of his three sons) expressed interest and joined the firm. Together, through Independence Retirement Advisors the Cucinottas will forge ahead with their dedication to excellence.


When Joe Sr. is not busy with office matters, he enjoys spending time with his eight grandchildren whether it be attending their sporting events, playing chess or simply solving a jigsaw puzzle. Other times you can find him on the golf course, or spending quality time with Pat, his wife of 44 years hosting family

get-togethers and/or vacations.

Joe Cucinotta, Jr., EA  Investment Advisor

Joe Cucinotta, Jr., EA

Investment Advisor

Upon graduating from Philadelphia’s prestigious Widener University in 1999, Joe began learning the ropes of financial planning with Olde Discount Stockbrokers. After two solid years in the business, Joe decided to partner with Joe Sr. in his tax practice. After 20 years in the financial services industry Joe still finds working closely with his local community highly rewarding.


Currently, Joe holds his Enrolled Agent certification in tax as well as a multitude of securities licenses including Series 7, Series 63, Series 65, Series 66, and Series 52 in addition to Life, Accident, and Health Insurance license.


Joe is married to his beautiful wife, Dawn and has four children (2 boys and 2 girls) ranging in ages from 19 to 7. When the kids aren’t keeping him busy with their various activities, Joe is an avid golfer and enjoys a family game night or a quiet date night out with Dawn.

John Cucinotta., EA  Financial Professional

John Cucinotta., EA

Financial Professional

Born and raised in the historic community of Delaware County, PA. John began a successful professional career in Operations Management at Temple University. In 2011 he joined his father, Joseph Sr., and brother, Joseph Jr., to be a part of the family business. John’s personality and desire to help others have shaped his role at Independence Retirement Advisors.


John has many professional skills and certifications to accompany his years of experience. He is a registered Life Insurance agent, an Enrolled Agent with the IRS, and is also a notary public in the State of Pennsylvania. John’s wide range of expertise makes him an exceptional financial professional.


John and his wife, Lauren, have two sons, Ryan and Colin. He spends his free time with family, enjoying some waves at the beach, and occasionally golfing with friends.



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