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Our Team

Here are professionals that serve as a resource for advisors and clients on tax and legal issues:

Bianca Noiseux, Lead Advisor

Bianca Noiseux, Lead Advisor
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For over two decades, Bianca has worked with individuals and families to create lasting, sustainable lifetime income plans that will complement their Social Security income. Most of her career has been with a large banking institution and now she brings that expertise to the AAA Retire Program. Beyond her vast experience, she has a dedication and drive to help people. Retirement is one of the most exciting and potentially terrifying times in a person’s life. As a Retirement Coach© she can help you create a plan to help you feel confident to relax and enjoy the next phase of your life. You can contact Bianca at:

Joseph Knudsen, CIC, Lead Advisor

Joseph Knudsen, CIC, Lead Advisor
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Joseph Knudsen has specialized in working with retirees to secure adequate health insurance and retirement financial planning since 1973. He does this by being a Certified Insurance Counselor and having a full understanding of the health insurance options available to retirees. He also helps retirees understand their Social Security retirement benefits and how proper planning can help a retiree create a comfortable lifetime retirement income. In addition, Mr. Knudsen has been a featured educator on the topic of Social Security and Medicare for AAA Northeast. These workshops help retirees learn strategies to get the most out of Social Security retirement benefits and understand their Medicare health insurance options. He puts client financial education and awareness on financial planning matters as a top priority. This helps his clients make informed and purposeful decision about their financial future. You can contact Joseph at:

David L. Cowan, Lead Advisor

David L. Cowan, Lead Advisor
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Dave is a much sought after Retirement Planner. He looks to empower middle class Americans to pick when and how to apply for Social Security benefits and to properly coordinate them with their retirement savings so they can feel comfortable in retirement. He shows them an easy to understand written plan. Dave’s teachings have helped his clients to increase their lifetime Social Security benefits on an average of $50,000 by following his advice. By increasing Social Security benefits just 10%, it reduces the amount of retirement savings needed by 25%. It all starts with attending a “Social Security Maximization Workshop.”

Jeff Bauer, Lead Advisor

Jeff Bauer, Lead Advisor
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Jeff has over two decades of experience in helping individuals and families retire with confidence. His experience includes seven years as a Vice President Financial Consultant for two of the most respected companies in the industry, one being the largest financial institution in the world. He works with high net worth individuals and families to create customized retirement income plans that help them during the four phases of retirement; accumulation, protection, distribution, and legacy. His specialty is in income planning that helps retirees create sustainable income streams to meet day-to-day as well as large unforeseen expenses. You can contact Jeff at:

Jeff Knoll, Lead Planner

Jeff Knoll, Lead Planner
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Jeffrey (Jeff) Noll graduated with a degree in Finance from Ithaca College in 1992 and joined an organization that helped consumers hedge against financial risks. In addition, he founded College Planning USA that helped his clients take advantage of various financial planning techniques to maximize college financial aid.

As the owner of College Planning USA, he worked to grow the business into one of the largest college planning firms nationally. Collectively, their students and families receive more than $140 million in scholarships and grants annually.

His clients include Fortune 500 companies, as part of Financial Wellness programs. Additionally, his services are provided through one of the largest national Employee Assistance Programs (EAP). For the employees of their corporate clients, the goal is to provide stress reduction tools at critical times in their employee's life.

Jeff brings his financial services expertise to AAA Retire to help pre and current retirees navigate the complexities of retiring. Jeff helps his clients retire with less stress and more confidence. You can reach Jeffrey at:

Sharon Sax, Lead Advisor

Sharon Sax, Lead Advisor
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Sharon is an independent insurance agent, consultant and advisor who focuses on helping people with Retirement Income Planning. She has earned her National Social Security Advisor designation and specializes in assisting those who are retired or planning to retire navigate the complexities of Social Security and Medicare.

Sharon takes pride in giving personal attention to each of her clients and was recognized with an "Above and Beyond" award from a network of professional colleagues. By addressing individual needs with integrity and professionalism, she has built trusting relationships that are the core of her business.

Sharon recognizes that each person has unique needs and circumstances. She spends quality time with all clients to ensure an understanding of available options, empowering them to make sound decisions.

She believes that there are no unimportant questions; if something concerns a client then it concerns her as well. Sharon lives by the motto (a quote credited to Theodore Roosevelt) "Nobody cares how much you know until they know how much you care." Sharon can be reached at:

Jody Goss, CEP, RFC, Director of Planning

Jody Goss, CEP, RFC, Director of Planning
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As our director of planning, Jody Goss has been in the financial services business for nearly three decades and has helped hundreds of individuals and families transition from working to retirement. By helping to develop a plan that creates peace of mind for retirement income a retiree is better able to enjoy retirement and be less anxious about it. Jody also teaches CPA’s, financial advisors and attorneys on strategies for sustainable, predictable and reliable retirement planning. You can contact Jody at:

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