R. Joseph Ritter, Jr. CFP® is a social entrepreneur, professional financial planner and founder of Zacchaeus Financial Counseling, Inc., a 501(c)(3) non-profit organization. The mission of the organization is to provide professional financial planning services to low-income individuals and individuals experiencing financial strain or financial crisis. If you like the advice I have given on Ask an Advisor, please consider paying it forward by making a donation to our organization. You can help someone else access our services. Donate on our website or at

R. Joseph Ritter, Jr. CFP® provides financial planning, financial counseling, financial coaching and financial therapy to individuals regardless of their ability to pay. The organization serves low and middle income households, households in crisis, and households experiencing financial stress or strain.

Zacchaeus Financial Counseling, Inc. operates in the Appalachian regions of Georgia, South Carolina, North Carolina, Virginia, Kentucky and Tennessee, as well as the state of Florida. We have the ability to meet with clients locally through strategic partners located in these regions. We can also accommodate meetings by web conference, telephone conference or e-mail.