Melissa Joy is a CFP-designated registered investment advisor at Pearl Planning, based in Dexter, MI, with 22 years of industry experience. Melissa operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Estate Planning, Financial Planning & Coaching, Insurance Planning, Investment Management, and 1 more. Their firm serves 293 clients with $310M in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.30% |
| $500K - $1.0M | 1.00% |
| $1.0M - $5.0M | 0.85% |
| $5.0M - $10.0M | 0.70% |
| $10.0M - $20.0M | 0.50% |
| $20M+ | 0.40% |
Fees are negotiable. At the firm's discretion, they will aggregate asset amounts in accounts from your same household together to determine the advisory fee for all your accounts.
Fee Estimator
Location
8031 Main Street, Suite 201, Dexter, MI, 48130
Get directionsHistory
Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Other Business ActivitiesSells Insurance
Melissa is an independent insurance agent since 2018, dedicating a few hours per week. She also owns Laughing Moose Lodge LLC, a vacation rental, and is an Investment Committee Member at First Congregational Church, spending minimal time on each.
Employment History
Current Registrations
Pearl Planning
Previous Registrations
Stephens Consulting, LLC
Raymond James Financial Services Advisors, INC
Center for Financial Planning INC
Raymond James Financial Services, INC.Broker
State Registrations1 state
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.