Pearl Planning: Financial Planning Practice in Ann Arbor

Nationally Recognized Detroit Area Financial Advisor Starts Woman-Practice In Ann Arbor, Joy Pursues Dream Of Boutique Practice In Local Community

From Alyssa Calhoun

Award-winning advisor Melissa Joy, CFP® is launching a new financial planning practice, Pearl Planning, in Ann Arbor, MI. Joy has dreamed of starting her own specialty practice located in her local community and is now seeing that dream come to fruition.

She has long held the belief that financial planning should be practical, approachable, and meet you where you’re at in life, regardless of your age or gender. Pearl Planning specializes in working with executives, entrepreneurs, and those with post-divorce financial planning needs. Of the organization’s motto, “No Grit. No Pearl.”, Joy says: “Sometimes life gets in the way of your plans, but that’s where Pearl comes in. You wouldn’t get a pearl without grit. We help you reach for your goals with achievable steps and confidence.”

-Melissa Joy, CFP® / Pearl Planning

As an alumna of the University of Michigan, Joy has spent her career in wealth management with over 20 years of experience at Center for Financial Planning, a large financial firm in the Detroit area where she ran the investments and financial planning departments while also managing her own book of clients. Pearl Planning has partnered with the Stephens Wealth Management Group, headquartered in Flint, MI and led by Sherri Stephens.

Joy has been nationally-recognized when she was honored as a “Top Wealth Advisor Moms” by Working Mother magazine in 2017. She is both a Certified Financial Planner™ practitioner, and a Certified Divorce Financial Analyst®.

Raymond James Financial Services Advisors, Inc. Pearl Planning is not a registered broker/dealer, and is independent of Raymond James Financial Securities offered through RAYMOND JAMES FINANCIAL SERVICES, INC. Member FINRA/SIPC Investment advisory services offered through Services.

*Data provided by SHOOKTM Research, LLC as of July 2017. The Working Mother and SHOOK research ranking is based on an algorithm of qualitative and quantitative data. SHOOK Research considered wealth advisers who are mothers with at least one child living at home and under the age of 18 with a minimum 5 years of industry experience. Ranking algorithm is based on qualitative measures derived from telephone and in-person interviews and surveys: service models, investing process, client retention, industry experience, review of compliance records, firm nominations, etc.; and quantitative criteria, such as assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisers rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research LLC. Neither SHOOK nor Working Mother receives compensation from the advisers or their firms in exchange for placement on a ranking. Raymond James is not affiliated with Working Mother or Shook Research, LLC. This ranking is not indicative of advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. For more information

Seth Kinker

Reporter/Digital Media for The Sun Times News

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