A.J. Bardugone, CMPS, NMLS # 2135171, President & Virginia Territory Manager

A.J. founded Concord with the idea that he could create a business that focuses on bringing people together to solve serious problems for those in need while driving real estate transactions that benefit his partners and the community at large. A licensed mortgage loan originator (NMLS # 2135171, licensed in Virginia, North Carolina and Florida), he has owned and managed real estate in Florida, Georgia and Virginia and enjoys all phases of real estate development. When not working on transactions for Concord, he works in business development in the information technology space. In his spare time he’ll grab a workout, take long bike trips on his BMW R 1200 GS, add to his mechanical watch collection, root for the Florida Gators and roughhouse with his beloved dog, Repo.

Joseph DiPaolo,  CFP®, EA, ChFC®,CLU® Chief Financial Advisor

Joseph L. DiPaolo is CEO and President of DiPaolo Financial Group. A true fiduciary, Joe enjoys helping people in all walks of life to implement tax-advantaged, customized financial plans. He is an independent financial advisor and is highly proficient with tax management, investment management, 401K rollovers, IRAs, annuities, life insurance, reverse mortgages and comprehensive financial planning. As a CFP practitioner, a Chartered Financial Consultant (ChFC)and Chartered Life Underwriter (CLU), he is well versed in the financial planning process and has been serving the public since 2007. Joe has been married for 25 years and has two adult sons. When not helping people with complex tax and financial issues, Joe enjoys working out, exploring the restaurant scene in Tampa and spending time with his big, Italian family.