Josias is an Experienced Adviser at Penn Mutual. His passion is to protect, help and advise clients at high financial risk or at economic disadvantage. His main focus is working with Hispanic individuals, families and businesses. Josias is the founder and the director of the Harding Place (Tennessee) Family YMCA’s Hispanic Achievers Program. He enjoys listening to music, reading up on social and political issues and also reading historical biographies. Josias is an international speaker and conducts workshops at several Latin American universities, specifically within Social Work and Non-Profit studies departments. He speaks on topics including building confidence, customer service and business management.