After graduating from Gainesville High Joe went on to Georgia Tech earning a degree in Industrial Management. After graduating from Tech he began a career in insurance, surety and risk management. He specialized in surety and in developing solutions to emerging and expanding risk threats such as terrorism, environment risks and coastal storms. His career took him from Atlanta to Savannah to Hartford to Seattle to Salt Lake City and finally to Charlotte. where he joined First Union (which became Wachovia and then Wells Fargo). After forty years working for others Joe began a consulting practice offering advice to stakeholders in commercial real estate.
While at Tech he married Colleen McNabb. They have three sons and six grandchildren. After his retirement in 2014 they moved back to Utah and now live in the foothills of the Wasatch Mountains.