Starting in the Financial Services in 1986, Joseph has owned and operated several companies . For 16-yrs he's been at the helm of First Capital Financial Services (1999-2015). Answering to the pressure of New Laws: AHCAAKA the Affordbale Obama Care Act, the National Insurance Commissioner's office and meeting the demands of our clientele, FCFS has been redesigned to Apex Insurance & Financial Services, to provide EASY, FAST, EFFICIENT and COURTEOUS phone application services. Apex Insurance and Financial Services sets the bar for insurance services, leading the way by providing superior services and insurance coverage selection. Nothing is more important than our commitment to our clientele and standing by our word. As being upfront, personable, informed and exemplifying integrity certainly makes a difference in the eyes of our client's.