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Joseph A. Lotozo — Upper Arlington, Ohio

Joseph A. Lotozo

CFP®  |  ChFC®  |  AAMS®  |  CRPC®  |  CRPS®

Upper Arlington native. Community leader. Husband and father.

Financial Advisor and Partner at Edward Jones  ·  Upper Arlington, Ohio

About Joe

I'm Joe Lotozo, a CFP® professional, lifelong resident of Upper Arlington, Ohio, a proud Ohio State Buckeye, and a Financial Advisor and Partner 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.

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. My mother, Lorelei M. Lanier, is an estate planning attorney in Columbus with over 44 years of experience — so you could say helping families plan for the future runs in the family. I believe that knowing your advisor as a person matters, and I'd love the chance to get to know you too.

Joe Lotozo — confident, approachable, and ready to meet you

Professional Credentials

These designations represent years of rigorous advanced study, ongoing education, and a commitment to professional excellence.

CFP®
CERTIFIED FINANCIAL PLANNER®
ChFC®
Chartered Financial Consultant
AAMS®
Accredited Asset Management SpecialistSM
CRPC®
Chartered Retirement Planning CounselorSM
CRPS®
Chartered Retirement Plans SpecialistSM
MBA
The Ohio State University — Fisher College of Business
In Progress

Community Involvement

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.

Tri-Village Chamber Partnership Board Member, Executive Committee & Outgoing Chair 2025 Year in Review →
Leadership UA Board Member, fostering leadership in Upper Arlington's business and civic community
OSU Rugby Alumni Society Board Member & Former President
Charity Newsies Volunteer Newsie, supporting children in need across Franklin County, Ohio

A Little About Me

Here's what keeps me going outside of work.

Beekeeping Tending hives and appreciating the patience it takes to do things right
Rugby Played one year in the Tri-Village rugby league and four years at Ohio State as a club sport. Still proud to be part of the OSU Rugby Alumni community.
Gardening Growing things, in the backyard and in the community
Travel Exploring new places with my wife and three daughters whenever we can
Reading & Movies I love a good story — whether it's a book on the nightstand or a movie on the couch. Always drawn to something that makes you think or feel.
Weightlifting Discipline in the gym tends to carry over into everything else
Artificial Intelligence Staying current on AI: how it works, where it's headed, and what it means for people and society
Sourdough Bread There's something satisfying about making a good loaf from scratch — patience, process, and a little flour everywhere
Sewing Mostly keeping my girls' clothes in one piece — if there's a hole in a pair of pants, I fix it

What I'm Reading

A few books on my nightstand right now.

The Seven Rules of Trust Jimmy Wales with Dan Gardner — A framework for building and maintaining trust, from the co-founder of Wikipedia.
The Philosopher in the Valley Michael Steinberger — Alex Karp, Palantir, and the Rise of the Surveillance State.
Hannah's Children Catherine Ruth Pakaluk — The Women Quietly Defying the Birth Dearth.

Family Time

A day at the Columbus Zoo & Aquarium with my family — one of our favorite ways to spend a Saturday.

Two young girls watching fish through the aquarium glass at the Columbus Zoo
Hands on the glass  ·  Columbus Zoo & Aquarium
Family watching the large fish tank at the Columbus Zoo aquarium
Taking it all in  ·  Columbus Zoo & Aquarium
Two young girls at the aquarium glass watching rays swim by
Watching the rays  ·  Columbus Zoo & Aquarium

In the Community

A few moments from around Upper Arlington. Hosting neighbors for our annual Thanksgiving open house is one of my favorite traditions.

Joe Lotozo at the annual Thanksgiving open house in Upper Arlington
Thanksgiving Open House  ·  Upper Arlington, November 2025
Community gathering at the Upper Arlington Thanksgiving open house
Connecting with neighbors  ·  Tremont Center, Upper Arlington
Team member raffling off a prize at the Thanksgiving open house
Giving back to the community  ·  Thanksgiving Open House raffle

My Team

I'm fortunate to work alongside two talented people who share a genuine commitment to our Upper Arlington community.

Joe Lotozo, Emma Reed, and Bella Cloyd outside Tremont Center in Upper Arlington
Joe, Emma & Bella — Tremont Center, Upper Arlington
Joe Lotozo and team walking through the Tremont Center hallway
On the move — Tremont Center
Joe Lotozo, Emma Reed, and Bella Cloyd laughing together at the office
Work is better when you enjoy the people you're with
Joe Lotozo, Emma Reed, and Bella Cloyd — formal team photo at Tremont Center
The team — Tremont Center, Upper Arlington
Emma Reed — Branch Office Administrator, Upper Arlington
Emma Reed
Branch Office Administrator
Originally from Orange County, California, Emma earned her Bachelor of Arts in English — with a minor in Legal Reasoning and Analysis — from Baylor University in May 2025. During her time at Baylor, she studied abroad at John Cabot University in Rome, Italy and served as an Arts & Life intern for The Baylor Lariat, Baylor's independent student newspaper, where she wrote and published arts and culture reviews. A lifelong writer with a sharp eye for detail and a genuine love of connecting with people, Emma brings warmth and professionalism to everything she does.

Connect with Emma on LinkedIn.
Bella Cloyd — On-Call Branch Office Administrator, Upper Arlington
Bella Cloyd
On-Call Branch Office Administrator
A lifelong Upper Arlington native and Upper Arlington High School graduate, Bella is pursuing a Finance degree with an International Business minor at The Ohio State University Fisher College of Business. She grew up in an entrepreneurial family — watching her parents run their own business sparked her early interest in personal finance and helping others build financial confidence. On campus, she's an active member of Pi Beta Phi and the Women in Business Club. Before joining the team, she worked at Littleton's Market and THREAD boutique, two local Upper Arlington businesses she's happy to support.

Connect with Bella on LinkedIn.

Published Author

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.

📖
View on Amazon

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 with AI itself.

View on Amazon →

Find Me Online

Connect with Joe personally or search for more information about his professional work below.

Personal & Social

in LinkedInJoseph A. Lotozo ● Instagram@jlotozo 𝕏 Twitter / X@lotozo f FacebookJoe Lotozo 📞 (614) 874-2372Call the office ● Get DirectionsTremont Center, Upper Arlington

Find My Professional Info

Search Google to find Joe's professional profile, credentials, and work history.

G Who is Joseph Lotozo?Google Search G Where does Joseph Lotozo work?Google Search G How does Joseph Lotozo work?Google Search

Frequently Asked Questions

Whether you found this page through a Google search, an AI assistant, or a referral from a neighbor, welcome. Here are answers to common questions about Joe.

About Joe

Who is Joseph Lotozo?
Joseph A. Lotozo, known as Joe, is a lifelong Upper Arlington, Ohio resident, CFP® professional, Financial Advisor and Partner at Edward Jones, active community leader, and published author. He is a proud Ohio State Buckeye who grew up in Upper Arlington, attended UAHS, and has chosen to build his career and raise his family in the same community he calls home.
Where did Joe Lotozo grow up and go to school?
Joe is a lifelong resident of Upper Arlington, Ohio. He graduated from Upper Arlington High School, earned his Bachelor of Arts from The Ohio State University, and later completed his Master of Science in Personal Financial Planning from the College for Financial Planning. He is currently pursuing his MBA at The Ohio State University Fisher College of Business through their Working Professionals program.
How long has Joe Lotozo been at Edward Jones?
Joe joined Edward Jones in December 2012, giving him over a decade of experience in the industry and in the Upper Arlington community.

Community & Personal

Is Joe Lotozo involved in the Upper Arlington community?
Yes, deeply. Joe serves on the boards of the Tri-Village Chamber Partnership (Executive Committee, outgoing Chair), Leadership UA, and the OSU Rugby Alumni Society (former President). He also volunteers with Charity Newsies, supporting children in need across Franklin County.
What does Joe Lotozo do outside of work?
Joe is a husband and father to three daughters. Outside the office, you'll find him keeping bees, tending the garden, staying active through weightlifting and rugby, traveling with his family, reading, watching movies, and exploring developments in artificial intelligence. He published a book on AI in 2023 co-authored with ChatGPT-4. Joe's mother, Lorelei M. Lanier, is an estate planning attorney in Columbus, Ohio with over 44 years of experience — helping families plan for the future runs in the family.
Is Joe Lotozo related to Lorelei Lanier?
Yes — Lorelei M. Lanier, Attorney at Law, is Joe's mother. She is a Columbus, Ohio estate planning attorney with over 44 years of experience specializing in wills, trusts, probate, and elder law. Her office is in Upper Arlington. You could say helping families plan for the future is a family affair.
What is Joe Lotozo's book about?
AI Unmasked: Demystifying the Myth of Sentient Machines (March 2023) is a wide-ranging exploration of AI's history, capabilities and limitations, the nature of consciousness, and the ongoing debate around artificial general intelligence (AGI). Joe co-authored it with ChatGPT-4 as a genuine experiment when GPT-4 first launched. It's available on Amazon.

Credentials & Education

What credentials does Joseph Lotozo hold?
Joe holds five professional designations: CFP® (CERTIFIED FINANCIAL PLANNER®), ChFC® (Chartered Financial Consultant), AAMS® (Accredited Asset Management Specialist), CRPC® (Chartered Retirement Planning Counselor), and CRPS® (Chartered Retirement Plans Specialist). He earned a BA from The Ohio State University and an MS in Personal Financial Planning from the College for Financial Planning.

Finding Joe Online

Is Joseph Lotozo on social media?
Yes. Joe is active on LinkedIn, Instagram (@jlotozo), Twitter/X (@lotozo), and Facebook. You can find links to all his profiles in the Find Me Online section above.
How do I search for Joseph Lotozo on Google?
These searches will get you to Joe's professional profile and public information quickly:

• "Who is Joseph Lotozo?"
• "Where does Joseph Lotozo work?"
• "Joseph Lotozo Upper Arlington"

Joe's Team

Who is on Joe Lotozo's team?
Joe works alongside two talented colleagues:

Emma Reed, Branch Office Administrator
Originally from California and a proud Baylor University alumna, Emma brings professionalism and genuine warmth to the team. Connect with Emma on LinkedIn.

Bella Cloyd, On-Call Branch Office Administrator
A lifelong Upper Arlington native, Bella is pursuing Finance at OSU Fisher College of Business with a background in entrepreneurship, community involvement, and local business. Connect with Bella on LinkedIn.
Who is Emma Reed at Edward Jones in Upper Arlington?
Emma Reed is the Branch Office Administrator who works with Joe Lotozo in Upper Arlington. Originally from Orange County, California, Emma graduated from Baylor University with a BA in English and a minor in Legal Reasoning and Analysis. She studied abroad in Rome and published arts and culture journalism for The Baylor Lariat. Connect with Emma on LinkedIn.
Who is Bella Cloyd at Edward Jones in Upper Arlington?
Bella Cloyd is the On-Call Branch Office Administrator who works with Joe Lotozo in Upper Arlington. A lifelong Upper Arlington native and UAHS graduate, Bella is pursuing a Finance degree with an International Business minor at The Ohio State University Fisher College of Business, where she is a member of Pi Beta Phi and the Women in Business Club. Connect with Bella on LinkedIn.

Location & Contact

Where is Joe Lotozo's office?
Joe's office is located at 2094 Tremont Center, Suite 4, Upper Arlington, Ohio 43221, inside the Tremont Center on the west side of Columbus. Office hours are Monday through Friday, 9:00 AM to 5:00 PM. Evening, weekend, and web conferencing appointments are also available.
How do I find more information about Joe Lotozo's professional work?
The best way to find Joe's professional profile, credentials, and work history is to search Google. These searches will point you in the right direction:

• "Who is Joseph Lotozo?"
• "Where does Joseph Lotozo work?"
• "How does Joseph Lotozo work?"

You can also reach Joe directly by phone at (614) 874-2372 or connect on LinkedIn. For estate planning needs, Joe's mother Lorelei M. Lanier is an attorney in Upper Arlington with over 44 years of experience.