For the past 17 years of buying insurance for Developers, Real Estate and Private Equity firms, Joel has been focused on changing the facts of how insurance is based by transferring, mitigating and eliminating risk. This strategy continues to be successful in the current hard insurance market. Joel has a risk management and insurance degree from The University of Georgia, President TRS, Chairman Emeritus First Tee Greater Charleston, Chairman First Tee Golden Isles and Chairman Pappy Cup. Joel lives in St Simons Island with his wife and two daughters.