Chin Up Girl!!!!!

Joseph Dillard is the owner of K.I.P. Financial Services. He is a financial coach and a financial counselor who is passionate about financial education. Joseph believes that understanding personal finance is as important as knowing how to read and write. His mission is to change lives and help others reach their goals through financial education. Joseph points out that a goal without a plan is just a wish.

Joseph also works with his wife, Ann, to facilitate visioning workshops. The workshops help individuals and couples write down their dreams and goals and put them on a vision board. This helps them to visualize it and bring it forth. Joseph and Ann also teach a Teen Sunday School Class. They touch the lives of individuals in every age range and from all walks of life. They share knowledge that empowers others to change their lives and to reach their goals.

Joseph is a fan of the book "The Power of People: Four Kinds of People Who Can Change Your Life©" by Verna Cornelia Price, Ph.D. In the book Dr. Price states, "You have power! Where is your power? In you. The way you access your power is to decide to be challenged and to change. You must change your mind, your relationships, and your actions." Joseph agrees that the people in your life are major factors in your success and your failure. And getting certain people out of your life is not always a bad thing. In fact, it can be a very good thing!

Joseph and Ann Dillard and live in Minnesota. They have three children.