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Credentials
Series 65
Experience Industry experience
2 years
Location
Barrington, RI
Connective Wealth Partners, LLC
Team
I became an advisor because I believe everyone deserves trustworthy, judgment-free financial guidance, no matter how much money or debt they have (or don't have). I want people to make life decisions from a place of empowerment, not from feeling trapped by their finances. I'm grateful to work for a firm that shares that belief and mission.
Joy joined The Financial Gym in 2017 as a Certified Financial Trainer. She worked with people at every stage of their financial lives. Some were just getting started, some were paying off debt, and others were growing their wealth or planning for big life changes. In each case she helped them make confident, informed choices that fit their own goals.
After passing the Series 65 exam in 2024, Joy became an Investment Adviser Representative. She serves clients through Connective Wealth Partners, LLC (“CWP”), an SEC-registered investment adviser that operates The Financial Gym Advisors and Private Wealth Collective as d/b/a names.
Joy holds a B.S. in Advertising and Marketing Communications from Johnson & Wales University. Before she started in personal finance, she spent five years at creative advertising agencies, including BBDO New York and Burns Group. She worked on campaigns for household brands such as Mars Chocolate (M&M’s and Dove), Yellow Tail wine, Post Foods and Ricola. Studying what drives people to buy shapes how she thinks about behavioral finance today. She helps clients understand the “why” behind their spending and saving habits, so they can make money decisions with more clarity and confidence.
Connective Wealth Partners is an SEC-registered advisory that provides discretionary wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs a fundamental analysis investment approach with a long-term orientation and manages diversified portfolios including ETFs, equities, bonds, mutual funds, and alternative investments.
Based on Connective Wealth Partners, LLC
Fixed engagement fees for financial planning up to $25,000 per engagement
$0+: 0.50% +: up to 2.00%
Certain advisory persons receive commissions when acting as registered representatives of a broker-dealer for securities and insurance transactions; these commissions are separate from advisory fees
Up to $750 per hour for financial planning services
Fee-only: Financial planning fees up to $12,000 annually for ongoing, up to $25,000 fixed fee for stand-alone engagements, and hourly fees up to $750 per hour
Barrington, RI
Barrington RI
Advisors at this office
1
North Carolina · Rhode Island
2 years of industry experience
Connective Wealth Partners, LLC
2025 - Present • 1 year
Barrington, RI
FG Advisory Services, LLC
2024 - 2025 • 1 year
Briarcliff Manor, NY
The Financial Gym
2017 - 2025 • 8 years
New York, NY
Freelancer
2017 - 2017 • 1 year
New York, NY
Burns Group
2015 - 2017 • 2 years
New York, NY
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Series 65, Series 66
Providence, RI
Efficient Capital Strategies, LLC
Jonathan Kuczmarski is a financial advisor at Efficient Capital Strategies, LLC in Providence, RI, with 12 years of industry experience. He holds Series 65 and Series 66 licenses and has worked previously at WhaleRock Point Partners, LLC and Ameriprise. His firm provides customized, goals-based financial planning, discretionary portfolio management, and advisory consultations for both individual and institutional clients. Efficient Capital Strategies employs a value-oriented investment approach centered on fundamental analysis and offers services including project-based consultations and performance reviews, serving high-net-worth individuals as well as corporate and institutional clients.
Series 63, Series 65, Series 66
North Kingston, RI
Green Street Wealth Advisory, LLC
David Dicenso is a financial advisor with Green Street Wealth Advisory, LLC, holding Series 63, 65, and 66 licenses and bringing 38 years of industry experience. He has been with Green Street Wealth Advisory since 2017, following prior roles at Summit Financial Group and Summit Brokerage Services. Green Street Wealth Advisory provides customized investment management to individual investors, corporations, and other business entities, using a long-term, buy-and-hold approach based on fundamental and technical analysis. The firm operates on a fee-only basis, offers services on both discretionary and non-discretionary terms, and provides portfolio management for institutional-type clients as well as allocations within variable annuity contracts.
Series 63, Series 65
Barrington, RI
Income Associates
Kurt Jamiel is the principal advisor at Income Associates, an independent firm based in Barrington, RI. He holds Series 63 and Series 65 licenses and has 29 years of industry experience. His prior roles include positions at Cetera and Summit Financial Group. Outside of advising, he owns and operates Quiet Keeper LLC, a sales and service business. Income Associates provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and businesses. The firm emphasizes client-specific, discretionary investment strategies using a mix of fundamental, technical, and quantitative analysis, often implementing third-party model portfolios and sub-advisors while offering ERISA 3(21) fiduciary services for employer-sponsored retirement plans.
Series 63
Warwick, RI
Hacket Asset Management, Inc.
Francis Hacket is the sole advisor at Hacket Asset Management, Inc. in Warwick, RI, holding a Series 63 designation with 33 years of industry experience. He has been with Hacket Asset Management since 1991. Hacket Asset Management provides investment advisory and portfolio management services primarily to individual clients, managing approximately $12.5 million across about 20 client relationships. The firm employs a discretionary, client-specific approach with periodic portfolio reviews and documented trading and oversight practices.
Series 65
Westport, MA
Boselah Investments
Earle Johnson is a financial advisor at Boselah Investments with 11 years of industry experience. He holds a Series 65 designation and has led Boselah Investments since 2014. His background includes public accounting and commercial banking. Boselah Investments provides discretionary investment management and tailored portfolio services for individuals, high-net-worth investors, businesses, and trusts. The firm employs a range of instruments and strategies, including fundamental, technical, and cyclical analysis, and conducts active trading primarily through Interactive Brokers’ platform.
Series 63, Series 65
North Kingstown, RI
Lally Wealth Management, LLC
Michael Lally is the principal advisor at Lally Wealth Management, LLC, an independent firm based in North Kingstown, Rhode Island. He holds Series 63 and Series 65 credentials and has 18 years of industry experience, including roles at Voya Investment Management, Citizens Securities, Banc of America Investment Services, and Quick & Reilly. In addition to his advisory work, he is also licensed as a life insurance agent. Lally Wealth Management serves individuals, high-net-worth clients, charities, retirement plans, and business entities by providing financial planning, retirement plan consulting, and facilitating investment management through third-party advisers and turnkey asset management platforms. The firm typically does not manage individual portfolios directly but acts as a co-adviser or promoter, maintaining limited discretionary authority and conducting regular client reviews.
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