Melissa Nicole Joy
Investment adviser representative at Pearl Planning
28 yearsExperience
1 stateRegistered in
CFP® certificationDesignation
$329.2MFirm assets
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How the firm charges
Fee types in the public filing. This advisor may not use all of them.
Percentage of assetsHourlyFixed or flat fee
Services the firm offers
These describe the firm as a whole, not only this advisor.
- Financial planning
- Portfolio management
- Pension consulting
Experience
28 years in the industry.
- Pearl PlanningJul 2025 to now
- Stephens Consulting, LLCOct 2021 to now
- Raymond James Financial Services Advisors, Inc.Jul 2018 to Oct 2021
- Center for Financial PlanningAug 1999 to Aug 2018
- Raymond James Financial Services, Inc.Jul 1998 to Oct 2021
Designations
- CFP® certification
Exams passed
- Series 63 · Uniform Securities Agent State Law2003
- Series 66 · Uniform Combined State Law2010
State registrations
Registered as an investment adviser representative in 1 state (MI).
Pearl Planning
Legal name: Pearl Planning, LLC
$329.2MAssets managed
305Clients
6Advisers
1 yearIn business
Official records
SEC data as of Sep 29, 2026. Registrations and firm details can change; confirm current status on the SEC's Investment Adviser Public Disclosure (opens in a new tab) site.
- Individual CRD
- 3233879
- Firm CRD
- 336568