R. Joseph Ritter, Jr. CFP® is the founder and president of Zacchaeus Financial Counseling, Inc., a 501(c)(3) non-profit organization serving the financial planning and financial counseling needs of lower and middle income households. Joe received his Master’s Degree in World Mission and Evangelism from Asbury Theological Seminary. His non-profit leadership and Christian ministry includes such past positions as Student Minister, Director of Outreach, volunteer Chaplain with Transport for Christ International, and co-founder of Community Chaplains Association, a non-profit organization ministering to residents of assisted-living and retirement facilities. He is the author of 25 Days of Christmas Devotional, Sacrifice and Submission in Marriage, Jacob's Testimony, and You're Called to the Ministry. Now What?