As a business owner, you may feel like your wealth is invested in a single stock -- your privately-held company. Join us to discuss how you can diversify and unlock wealth now and over time.
We’re all human, not rational robots. So if you call us feeling anxious about your portfolio, we don’t launch into a financial lecture. Instead, we dig to find the root cause of your concern and then focus on a solution. Our passion for the human factor comes first. It’s our culture, it’s our credo, it’s our purpose.
You only live once, so navigating experiences like retirement, selling a business, and divorce can be stressful. Our team has guided clients through these events for years. We can help you evaluate the choices, costs, risks and opportunities – both quantitative and qualitative.
Stress is a problem for your health, brain function and decision-making process. We apply recent brain science to training and coaching materials designed to mitigate stress and help keep you from making decisions you might regret later.
Our mission is to help you achieve your financial goals without the anxiety that even affluent families can feel when it comes to money. We believe the entire purpose of wealth is to create a better life, and our definition of wealth goes far beyond your balance sheet.
A Princeton University study suggests that each dollar earned above $75k/year (in 2008*) doesn’t create a corresponding increase in happiness. And then it hit us: why help clients amass significant levels of wealth if, statistically, they are no happier? When we asked that question, we realized the traditional model of wealth management is broken – it’s about “more money” and ignores quality of life. That’s why we’ve spent a decade creating Behavioral Wealth Management. *$75k in 2008 = $81,410 in 2015
Much of what financial advisors did even just a few years ago can now be handled by software – very good software, we might add, but it’s really designed to handle common financial issues for mass market customers. You deserve sophisticated, customized advice for the complexities that come with your success. That can’t be replaced just by software, apps, robo-advisors, or industry newbies who cost less than experienced pros.
In a commoditized market, firms compete on price and cut costs. So what’s one of a service industry’s biggest costs? Experienced, high-priced talent. Firms often compensate with lower-cost options: less-experienced hires, more automation, fewer people, and less personalized service. You deserve better.
Choosing a wealth advisor is a challenge, especially if they look and sound the same (like a commodity). So what should you do – flip a coin? That’s probably not the best way to decide who oversees your nest egg. Once you do, it may be some time before you know whether that firm is really right for you. At JOYN, you can join us at a variety of workshops to see Behavioral Wealth Management in action before you even think of entrusting your money to us. We also believe in transparency, so we’ll show you how we invest. And we’ll be clear about what our mission is, too. We’re here to help you use your wealth to improve your life. Does that sound different? You be the judge.
Even financial industry pros can feel an adrenaline rush, stress or even panic in volatile markets. It’s not a character flaw; it’s human nature. But science has shown that those emotions can drive short-term thinking and erratic investment decisions. That’s another reason we created Behavioral Wealth Management: to mitigate stressed decision-making that can potentially derail a disciplined, long-term investment plan. And because we’re human, too, we apply those same principles to our own investment management activities with a team-based, process-driven approach. Because if you expect a strategy to work, you need to stick with it.