Joseph E. Lowry, Sr.
Ever since he attended a class on the stock market with his mother at the age of 12, Joe has been a believer in the power of the capital markets. After a successful start as an agent of New York Life Insurance, Joe followed his fierce sense of independence in founding our predecessor firm, The Lowry Group, in 1978.
Joe’s unique ability is Achieving Simplicity® for clients by helping make complex situations clear and relatable.
He loves to travel with his wife, Gladys, hike, and read (especially history). He is also an avid fitness buff. Joe is active in a number of community causes and in his church (see Giving Back).
He received a BS from Brigham Young University in 1974. He is an Accredited Investment Fiduciary® (AIF®), Accredited Estate Planner®, Chartered Financial Consultant® (ChFC®), and Chartered Life Underwriter® (CLU®).
Active in industry-related organizations, Joe is a member of the Society of Financial Service Professionals (past president/Gainesville, FL, Chapter), National Association of Estate Planning Councils (past president/Gainesville Chapter), the Financial Services Institute, and a Life Member of the Million Dollar Round Table. He is also past president of the Gainesville Association of Insurance and Financial Advisors.
Joseph E. Lowry, Jr.
Joe, Jr., grew up observing the family business and at an early age appreciated the long-term relationships his father developed with his clients. While pursuing his bachelor’s degree at Brigham Young University (international politics, 2003), he told Joe, Sr., that he was interested in learning about the business. After graduation, he joined Joe, Sr., and became his formal partner several years later.
A student of history and current events, Joe’s unique ability is to draw from these disciplines to provide context for client’s unique situations. Seeing how the “big picture” impacts individuals and their families is a big part of Achieving Simplicity® for his clients.
Joe gains his greatest enjoyment spending time with his wife, Lacy, and three children. As a family, they enjoy traveling, being near the water, and playing games together. Joe is active in numerous community organizations and his church (see Giving Back).
Beatrice "Bea" Caldwell
Client Relationship Manager
There is a reason that a local industry group once awarded Bea the “Can Do” award. She views challenges as something to overcome rather than as insurmountable obstacles. Bea joined Joe, Sr., in 2000, and the firm’s clients know that her knowledge and assistance comes from a sincere desire to help them achieve their goals.
In her role as client relationship manager, Bea is a focal point for the firm’s operations.
Originally from Miami, Bea and her family have called Gainesville home for many years. She loves to be on the water (not in it) and enjoys motorsports and camping with family and friends.
Executive Assistant / Paraplanner
Nicole’s energy and desire to learn new things is a great asset to our firm. Nicole joined The Joes® in 2015 after working successfully in various roles for a well-known, local insurance agency. As our executive assistant, she supports the firm in a variety of roles, putting her excellent problem-solving skills to work on a daily basis.
In her free time, Nicole enjoys personal training, running, spending time with friends, and volunteering. She is also a voracious reader and helps the rest of the office make healthier food choices!
Cale studied economics at the University of Florida, graduating in 2008, right before the economy experienced the worst of the financial crisis. He opened Tipple’s Brews, a craft beer and wine store, in 2009 at the worst part of the financial crisis. Fortunately, it was a great success and became one of the best-rated specialty beer and wine stores in Florida.
After having twin boys, Cale decided to leave the retail environment and sold Tipple’s Brews and began working as a financial advisor. Cale has always been intrigued by the markets, having bought his first stock in the 3rd grade. Financial planning became even important to him in his early 20s after dealing with the aftermath of his father’s death.
In additional to financial advising, Cale also works as a business consultant, having worked with tech startups and retail businesses across the globe. He is a former motocross racer and enjoys spending time in the mountains and continuously learning about behavioral finance, economics, and valuation.