Joe Malzacher

Joe Malzacher, AIF®
Benefits & Retirement Plan Advisor
Phone (904) 280-2028 ext. 230
Fax (904) 280-1602
Toll-Free (800) 965-5554


Joe joined the Montoya Team in 2012 bringing with him an extensive background in employee benefits and retirement plans. He’s held the Florida Life, Health, and Variable Annuity License
since 2008 and also holds a General Securities License (Series 7). His term as the President of the Jacksonville Association of Health Underwriters spans 2013-2015.

Joe believes that a robust employee benefits package will have a positive impact in helping companies achieve the goals. He works hard to help ensure that the benefits package meets both the needs of the company and their employees. Joe is also well versed in the complexities of the Affordable Care Act and is adept at helping clients understand the changes in healthcare. Joe’s strong background in human resources, payroll, and technology allows him to understand a variety of complex problems and implement programs to solve those problems.

He lives in Ponte Vedra Beach with his wife and two sons where they are members of Our Lady Star of the Sea Catholic Church. Joe is actively involved in the community and some of the organizations he has spent time helping include BEAM, We Care, Dreams Come True and the United Way.