Enhanced Decision-Making

“Traditional economic theory has assumed that people make decisions in a so-called rational way, and therefore, they will calculate costs and benefits, and focus only on decision-relevant criteria. That’s not how people make decisions at all. When we are experiencing emotions, imagine it’s like a weather system: it affects everything.”

Dr. Jennifer LernerProfessor of Public Policy and Management, Harvard Kennedy School of Government

You must understand the financial consequences and implications of the choices before you.

It’s our job to provide you with well-balanced portfolios and cash flow projections that account for taxes, adjusts for inflation, and varies spending over time with a range of investment outcomes. Additionally, it’s our job to help you assess legacy issues and how much you can leave your children or the causes you believe in.

But here’s the rub.

Having an intellectual understanding of what you can or can’t afford may often have surprisingly little impact on your decisions. Why? Because we are emotional beings and money is emotional.

What are some examples of where these emotions and stressors show up in financial decision-making?

Hoard Cash

Studies have identified a tendency for certain people to hoard cash under stress.

Shift Risk Profiles

Stressed men and women can suddenly flip between conservative and high-risk investment preferences, putting financial plans at risk. (Interestingly, studies reveal that men typically shift further than women.)

Snap Decisions

Your brain is wired to make decisions quickly – after all, we make thousands each day. Under stress, our brains can react before we even realize it. Not a recipe for your best work.

Tunnel Vision

Since your brain isn’t as prepared to process new information, it may consider fewer choices and hone in on a solution without your normal, systematic scanning and analysis.

Deer In Headlights

Just thinking about stressful financial issues can increase your stress level even further, making decisions that much tougher. Ouch!

That’s where JOYN Comes In

We’ve built our new Behavioral Wealth Management™ model to handle these kinds of situations. When you’re under stress, we help you understand what’s happening via specific techniques to reduce your stress reactions. Our mission: help you think clearly, consider all your options, and make choices you’re less likely to regret.

We Focus on Your Life Priorities

Over time, we help you learn about yourself in fun, easy ways – games, group events, guided conversations, and meetings with your advisory team. We harness these insights to help you deal with common concerns and major life decisions that can pop up along the way.

For example:

  • What Matters Most: Life Priorities, Keys to a happy life
  • Holistic View of Wealth
  • Overcoming Anxiety: Gratitude, Confidence
  • The Meaning of Money
  • Making a Difference

Our Work Together

Visual Presentations

Since stress affects information processing and memory, we strive to share information visually since it’s typically more effective than talking or text documents alone. Helps address slower information processing, difficulty organizing new information and performing complex analyses.

Spotlight on the Positive

When you’re feeling anxious, this exercise can help you focus on the good things in your life so you can see the world from a more complete perspective. Helps with reduced creativity due to a focus on negative outcomes, problem solving and anxiety.

Alternate Story

This exercise helps you recognize how fear may be driving your perspective and helps you see alternative possibilities that can generate positive emotions. Helps with anxiety, problem-solving and reduced creativity due to a focus on negative outcomes.

Frequent Check-Ins

As we work with you, we ask questions to make sure that you’re retaining the information, then review material as needed. Helps with slower information processing, difficulty retaining new information, problem solving and complex analysis.

Illusion of Control

You can’t control everything in life. We help you focus on what’s in your control and the options available so you can feel more positive and confident. Helps mitigate the failure to conduct normal breadth of research, failure to consider all possibilities, and hyper-vigilance.

Trusted Advisors

We invite you to bring in people you love and trust. Their perspectives can help provide a more complete picture and clarity about the best way forward. Helps address the failure to conduct normal breadth of research and consider all possibilities, hyper-vigilance, problem-solving and anxiety.

Ready to take charge? Learn what matters most to you with our Life Priorities Tool.

Expand Your Opportunities

Network of Relationships

All of us are connected to a network of family, friends, colleagues, and business associates. That network is a powerful extension of talents, experiences, and wisdom we can reach out to for support.


This includes all of your assets (your home, your business, your investments, bank accounts, your income and all of your personal belongings). For many people, this is where the calculation of their wealth begins and ends, but money is just one resource you have to create the life you desire.


Time is a unique and non-renewable resource. If you waste time, that time is gone forever. Each of us, rich and poor alike, has the same one hundred and sixty-eight hours each week. For most of us, time, not money, is our limiting resource.


Each of us is blessed with our own God-given talents we’ve often spent a lifetime honing. Some of our most fulfilling times in life are when we are fully engaged in an activity that uses our Signature Talents™ to their fullest. Do you recognize your own talents?

Mind and Body

We literally navigate the world using our bodies and minds to experience all that life has to offer. Invest in your body and mind by eating better, exercising regularly and staying mentally active.


As we grow older, we become wiser. We learn critical life lessons from our own experiences and from observing others. You can overcome challenges by remembering to access your learned wisdom before making critical choices.

Let's Connect

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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