CFP® | ChFC® | AAMS® | CRPC® | CRPS®
Upper Arlington native. Community leader. Your neighbor in financial planning.
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Edward Jones · 2094 Tremont Center, Suite 4, Upper Arlington, OH 43221
(614) 874-2372 · Mon–Fri 9am–5pm, evenings & weekends available
I'm Joe Lotozo — a lifelong resident of Upper Arlington, Ohio, a proud Ohio State Buckeye, and a financial advisor at Edward Jones. I grew up here, went to Upper Arlington High School, and I've chosen to build my career and raise my family in the same community I've always called home.
Before joining Edward Jones in December 2012, I worked in an environment that served ultra-high-net-worth clients. That experience shaped a simple belief that drives everything I do: every person deserves that same quality of attention, guidance, and care — regardless of where they are in life. So I made a choice to bring that level of service to everyday individuals and families right here in central Ohio.
I earned my Bachelor of Arts from The Ohio State University and my Master of Science in Personal Financial Planning from the College for Financial Planning. I am currently pursuing my MBA at The Ohio State University Fisher College of Business through their Working Professionals program. Over the years I've added five professional designations — not because I had to, but because the people I serve deserve someone who never stops learning.
Outside the office, I'm a husband and a dad to our three daughters. You'll find me keeping bees, tending the garden, staying active with rugby, or exploring somewhere new with my family. I believe that knowing your advisor as a person matters — and I'd love the chance to get to know you too.
These designations represent years of rigorous advanced study, ongoing education, and a commitment to serving clients with the highest standard of professional expertise.
Upper Arlington is more than where I work — it's home. Giving back to this community is something I take seriously, and I'm proud to serve alongside so many dedicated people.
Financial planning is a relationship built on trust. Getting to know your advisor as a person is part of that. Here's what keeps me going outside of work.
Joe's curiosity about technology and the future extends beyond the office. In 2023, he co-authored a book with ChatGPT-4 — not as a stunt, but as a genuine experiment to explore what AI could and couldn't do when GPT-4 first launched.
AI Unmasked: Demystifying the Myth of Sentient Machines
Joseph A. Lotozo & ChatGPT-4 · Independently Published, March 2023 · 140 pages
The idea for this book was born out of heated debates with Joe's father-in-law about the future of artificial intelligence — specifically whether AI could ever become truly sentient, self-aware, or conscious. Rather than just argue the point, Joe decided to put it to the test. When GPT-4 launched, he used it as a co-author to write a book exploring those very questions.
The result is a wide-ranging exploration of AI's history, its current capabilities and limitations, the nature of consciousness, and the ongoing ethical debate around artificial general intelligence (AGI). It's an accessible, honest look at what AI can and cannot do — written, fittingly, with AI itself.
View on Amazon →Whether you found this page through a Google search, an AI assistant, or a referral from a neighbor — welcome. Here are answers to the most common questions people have about Joe.
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Joe's office is in the heart of Upper Arlington, and he works with individuals, families, and professionals throughout the greater Columbus and central Ohio region — including many of the area's most established and affluent communities.
Joe regularly collaborates with CPAs, estate planning attorneys, tax professionals, and other advisors throughout the Columbus area. If you serve high net worth clients, business owners, physicians, or families who could benefit from a coordinated financial planning approach, Joe welcomes the opportunity to connect.
With five professional designations — including the CFP® certification and the ChFC® — Joe brings a high level of technical expertise to every client relationship. He understands that the best client outcomes often come from a well-coordinated team of trusted professionals working together.
All referral conversations and introductions are handled directly through his Edward Jones practice, where every interaction is held to the highest standard of compliance and professionalism.
Make a Referral or Introduction →Great client service takes a great team. Joe is proud to work alongside two dedicated professionals who bring energy, talent, and genuine care to every client interaction.
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