Helping clients prepare for the future is a responsibility Joseph Ritter has embraced throughout his two-decade career in the insurance industry. As the President of Insurance You Keep, his strategy centers on offering peace of mind through long-term planning services that extend beyond basic Medicare guidance. Whether it’s structuring life insurance policies or creating retirement strategies, his work reflects a deep understanding of how stability is built over time through trusted relationships and transparent communication.
Joseph Ritter founded Insurance You Keep in January 2014 after years of experience navigating the evolving insurance landscape. He holds licenses across multiple states—including Pennsylvania, Maryland, Delaware, and several others—providing coverage to a diverse client base. While Medicare insurance remains a core service, many of his clients also rely on him for help with long-term care planning, final expense solutions, and supplemental health policies. His CLTC® certification further supports his credibility in guiding people through critical long-term decisions.
One of the key values Joseph Ritter brings to his clients is the ability to simplify complicated insurance structures. This clarity is especially vital for older adults managing multiple coverage options or preparing for retirement transitions. By comparing plans across respected providers like Aetna, Mutual of Omaha, Humana, and Transamerica, he delivers customized solutions that focus on stability and sustainability. His recommendations are always explained in plain terms, emphasizing his priority to empower rather than overwhelm.
Clients frequently cite the practical benefits of working with Joseph Ritter. From reducing prescription costs to identifying comprehensive long-term care options, his guidance helps eliminate financial uncertainty. A client from Millsboro, Delaware noted how the firm helped secure a plan that improved drug coverage significantly. Another client in Florida expressed appreciation that despite relocating, they were able to continue working with him thanks to the company’s multistate licensing.
The growing need for reliable long-term financial guidance inspired Joseph Ritter to expand his operations to new markets. In 2025, he opened the Valley Forge Medicare office in Phoenixville, further solidifying his commitment to offering local, hands-on service. The launch coincided with his 20th anniversary in the industry—a milestone that reflects both experience and a continuous drive to innovate within the field.
Unlike many insurance professionals focused on volume sales, Joseph Ritter measures success by the quality of relationships he builds. He emphasizes that his compensation comes from the insurance companies rather than the clients, a model that reinforces his dedication to unbiased advice. This no-fee structure removes barriers and reassures clients that their needs—not hidden costs—guide every recommendation.
Beyond the professional scope, Joseph Ritter maintains an interest in acting, which he credits for enhancing his communication skills. This creative pursuit allows him to engage more naturally with clients, leading to more productive discussions around life planning. His ability to adapt complex topics into digestible, empathetic conversations remains one of his most valuable traits.
As a Million Dollar Round Table Top of the Table member, Joseph Ritter has been recognized among the top 1% of financial professionals globally. This status is not only based on production but also on adherence to ethical service, client education, and industry leadership. It speaks to his consistent effort to maintain high standards across all areas of his business.
Today, clients looking for support with Medicare, life insurance, and retirement planning turn to Joseph Ritter for more than just policies—they seek dependable guidance shaped by integrity and understanding. With every consultation, he reinforces his firm’s mission to eliminate confusion, reduce financial stress, and provide long-term protection for individuals and families alike.