Joe Punio, Financial Advisor

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Joe Punio, Financial Advisor Vivuto Wealth Management was founded by Joe Punio with the aim of ensuring the client’s interests are put first.

Vivuto Wealth Management operates on a fee-only basis so that you know all advice is given because it is best for your individual situation. VIVUTO LLC (“Vivuto”) is a registered investment advisor offering advisory services in the States of DC,MD, & NV and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The information on this site is not intended as tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. This information should not be relied upon as the sole factor in an investment making decision. Past performance is no indication of future results. Investment in securities involves significant risk and has the potential for partial or complete loss of funds invested. It should not be assumed that any recommendations made will be profitable or equal any performance noted on this site. The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws,VIVUTO LLC disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement, and suitability for a particular purpose. Vivuto does not warrant that the information on this site will be free from error. Your use of the information is at your sole risk. Under no circumstances shall Vivuto be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the information provided on this site, even if Vivuto or a Vivuto authorized representative has been advised of the possibility of such damages. Information contained on this site should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.

The leaves are falling, the temperatures are cooling down, and fall is officially here. As the year starts to wind down,...
10/15/2026

The leaves are falling, the temperatures are cooling down, and fall is officially here. As the year starts to wind down, now is a great time to check in on anything still on your to-do list before the busy holiday season arrives.

Whether you have questions, need support, or simply want to connect, we are always here to help. Give us a call anytime, this season and every season.

Benefit costs and plan options change quickly. That’s why it’s important to regularly assess and benchmark employee bene...
10/14/2026

Benefit costs and plan options change quickly. That’s why it’s important to regularly assess and benchmark employee benefits against peers in the industry. This helps employers confirm that their benefits remain competitive, compliant, and aligned with budget goals, while still meeting the needs of employees and their families.

If it has been a while since your last review, reach out today. We can help you benchmark your current plans and identify the right combination of coverage and cost for you and your employees.

There are many misconceptions that keep small business owners from offering 401(k)s to their team and themselves. Swipe ...
10/13/2026

There are many misconceptions that keep small business owners from offering 401(k)s to their team and themselves. Swipe through as we set the record straight.

Have questions about retirement plan options for your business? Give us a call today. We are happy to walk you through it.

National Savings Day on October 12th is a great opportunity to take a closer look at your financial habits and identify ...
10/12/2026

National Savings Day on October 12th is a great opportunity to take a closer look at your financial habits and identify ways to make saving a more consistent part of your routine. In many cases, small, intentional actions can help strengthen your financial foundation over time. Swipe to learn more.

If you would like to discuss savings strategies and financial planning opportunities that fit your goals, contact us today. We are here to support you.

When it comes to employer-sponsored retirement plans, the 401(k) and 403(b) might seem similar, but understanding their ...
10/08/2026

When it comes to employer-sponsored retirement plans, the 401(k) and 403(b) might seem similar, but understanding their differences can help you make the best decision for your team. Swipe through for a breakdown.

Have questions about which plan is right for your organization or how to implement a competitive retirement offering? Give us a call today.

October has a way of sharpening our focus. The year is winding down, the to-do lists are getting longer, and there is a ...
10/07/2026

October has a way of sharpening our focus. The year is winding down, the to-do lists are getting longer, and there is a quiet but real pressure to finish strong.

This quote is a good one to carry into the final stretch. Having a vision is one thing, but doing the work to make it real is another. That is where leadership, whether in business, on a team, or in your own life, truly lives.

As you head into the rest of October, what is one vision you are actively working to bring to life right now? Share it in the comments. We would love to cheer you on.

As we recognize National Financial Planning Month, it is a great opportunity for employers to evaluate how they are supp...
10/06/2026

As we recognize National Financial Planning Month, it is a great opportunity for employers to evaluate how they are supporting their workforce's retirement readiness. Swipe through for a closer look at ways employers can support retirement readiness and help employees prepare for the years ahead.

If you are interested in strengthening your retirement planning benefits strategy, reach out to us today. We are here to help.

The 2027-2028 FAFSA is open as of October 1, 2026. If you or a student you support plans to attend college during the 20...
10/01/2026

The 2027-2028 FAFSA is open as of October 1, 2026. If you or a student you support plans to attend college during the 2027–2028 academic year, it is a good idea to get started on the process early. So, with that in mind, our team wanted to share a few early steps that can help streamline the process:

🔹Create or verify your StudentAid.gov account.
🔹Gather essential financial documentation, including 2025 tax returns, W-2s, and income records.
🔹Determine which parent(s) or contributor(s) will be required to provide information, if necessary.
🔹Review college, state, and scholarship deadlines, as many institutions award aid on a first-come, first-served basis.

While the federal FAFSA deadline is June 30, 2028, many colleges and states set earlier priority deadlines for aid consideration, so submitting your application early can improve access to institutional, state, and need-based aid.

If you have questions about college funding strategies or how education expenses align with your overall financial plan, please contact our office. We are here to assist you.

Questions around cost, administration, and company size continue to influence how some small businesses approach retirem...
09/24/2026

Questions around cost, administration, and company size continue to influence how some small businesses approach retirement plan offerings. At the same time, industry trends suggest that plan accessibility and flexibility have expanded in recent years. Swipe to learn more.

If you would like to discuss your current 401(k) offering, Safe Harbor plan options, or employee participation strategies, contact us. We are here to help.

Employee benefits have become a major factor in attracting and retaining talent, yet many outdated assumptions continue ...
09/23/2026

Employee benefits have become a major factor in attracting and retaining talent, yet many outdated assumptions continue to influence how benefits programs are designed. Swipe through for two common myths employers should reconsider and the truth behind them.

If you have questions about building an employee benefits strategy that supports your workforce and your business goals, contact us today. We are here to help.

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20036

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