Joint Financial LLC

The firm provides fee‑only investment management and financial planning services to individuals and high‑net‑worth individuals, offering both ongoing and project‑based planning alongside discretionary and non‑discretionary portfolio management. Like many independent advisers, it generally charges asset‑based advisory fees and advises on common asset types such as stocks, bonds, mutual funds, and ETFs.

The firm emphasizes personalized investment policy development and asset allocation informed by modern portfolio theory and fundamental analysis, and may implement a mix of passive and active strategies while accommodating client‑imposed restrictions. In addition to one‑on‑one planning, the firm conducts educational seminars and speaking engagements that are explicitly presented as general, non‑individualized financial education.

What is distinctive about the firm is that it is newly established and, as of the brochure date, reports no assets under management or client accounts, and the principal discloses outside employment with another wealth management firm that the brochure states occupies his full‑time work commitment. Offering public educational seminars while operating with no AUM and with the advisor concurrently employed elsewhere are features that differ from most independent advisers.