Investment Advisors Philosophy

Our Philosophies: Innovatively Conventional

Oh, the irony! We’re innovators – after all, we developed Behavioral Wealth Management™ because we believe that the traditional model is broken. Yet, when it comes to investing, we’re old school: we believe in traditional, tried-and-true fundamentals.

Transparency: You Deserve It

As fiduciaries, we hold ourselves to higher ethical and transparency standards. What does that mean for you? We don’t have conflicts of interests that could potentially influence our financial advice. At JOYN, we earn a fixed fee for our services. You’ll receive advice that is honest, clear and easy to understand.


  • Sell proprietary mutual funds or investment products.
  • Pressure you into purchasing investment products you don’t need.
  • Receive any “soft dollars” on the backend.

We Don’t Hit a Panic Button

When it comes to money, behavioral science and financial research shows that our powerful emotions can push us into short-term thinking and erratic investing choices. That’s why we’ve built a team-based, process-driven investment management system. It helps us and our clients mitigate stress and emotional decision-making that can derail a disciplined, long-term strategy. Because if you expect a strategy to work, you need to stick with it.

Money is Merely a Tool for a Meaningful Life

Many wealth management firms say they’ll help you reach your life goals. But what are your life goals? Can you rattle off your top five priorities? At JOYN, we help you sort through the competing messages, roles, and influencers in your life to help you figure out what matters most. Then, and only then, we marry your life priorities to your investment planning.

Our Investment Strategy

Invest for the long term. Beware of risk. Diversify. Buy low, sell high. These investment strategies may sound like elementary principles for investing, but we still believe they’re the best ones to use. We rely on tried-and-true fundamentals because they’ve been proven over time.

Our Investment Process

Proprietary algorithms, special tactics, secret sauces? Not at JOYN. Our investment management process is transparent; it’s based on empirical research, careful analysis, specialized teams and documented processes. It can be complex, but we strive to make it understandable regardless of your personal expertise. It’s your money, and you deserve to know how we manage it.

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Financial Benefits of Behavioral Advising

Better Advice. Better Decisions. Better Life.

There are significant financial benefits focusing on your behavior and making better decisions. Vanguard research and other academic studies have concluded that behavioral advising can add 1% to 2% in net return. (Source: Vanguard, 2016

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