Hi, I’m Joel!

Welcome! I offer tailored and personalized financial planning services designed specifically to assist you in achieving your unique financial goals. Whether you are saving diligently for a comfortable retirement, exploring investment opportunities, or preparing for significant life events such as education expenses or buying a home, I am here to provide unwavering support at every step of your journey to ensure your overall financial well-being.

The Brighter Journey Process

Understand your goals

Assess your financial situation

Develop a personalized plan

Take action on your plan

Plan for major life events

Optimize for tax strategies

Mitigate financial risk

Update your plan as life changes

Financial planning topics that I’m looking forward to discussing with you!

    • Understand the trade-offs of financial decisions and actions to take to balance living a good life today AND in the future

    • Watching over your blind spots

    • How much you should save and invest

    • When you can retire

    • How much money you need

    • What could you do to reach your goals quicker

    • Making sure your portfolio is optimized

    • Tax-loss harvesting

    • How to create retirement income

    • When you should do Roth conversions

    • Which accounts to hold assets in

    • Building a tax strategy around your income

    • Tax planning opportunities

    • Which accounts to use for tax-efficiency

    • Helping you create the documents you need to protect yourself or your family

    • Updating your documents as life changes

    • Working with beneficiaries to pass on assets

    • Picking and tracking a goal for when you can financially afford to retire

    • Assisting with income through retirement

    • Reviewing ideal Roth conversions throughout retirement

    • Discussing retirement/qualified accounts

    • Social security strategies

    • Navigating Medicare

    • Speaking with your kids about what colleges or majors they should consider

    • Reviewing college costs overtime and reviewing your family education goals

    • Using a mix of 529 & UTMA’s for education funding

    • Talking through your financial upbringing & unpacking any money trauma / habits you saw growing up

    • Giving both partners a safe space to share their fears & dreams, as well as ask questions surrounding money.

    • Reviewing compensation packages

    • Holding your hand through the planning and purchasing of a new home

    • Helping you navigate the tough realities of aging parents

    • All the fun money implications of having children & being financially responsible for a sweet, little bundle of joy

    • Understanding employee benefits

Let’s Connect!

  • Chancellor & Jaclyn

    "Joel truly transformed my life in ways I didn't even realize I needed. His wisdom, care, and personalized guidance not only helped me get on track with my goals but also empowered me to achieve financial success I never thought was possible. Joel's genuine heart and breadth of insight have been a gift, and I couldn't recommend him more to anyone seeking real, lasting change."

  • Bryn

    "I didn't really grow up with much knowledge of budgeting and how to handle money, but from the help of Joel, I've grown so much! He has never made me feel less than and is the most patient when it comes to answering my questions and guiding me in this journey! I couldn't recommend Joel enough!!!!”

  • Chad & Emily

    “Joel helped set my wife and I up to build wealth at the most pivotal time in our lives. Joel has not only been an incredible steward of our assets, he has partnered with us to help meet our goals every step of the way.”

Frequently Asked Questions

    • Membership pricing is clear & transparent! Your membership does not increase as your accounts go up.

    • Benefits included in your membership:

    • Investment management

    • Unlimited changes and updates to your financial plan

    • Creation and management of your Estate Planning Documents (Wills, Financial POA, Medical POA, Trust)

    • Federal & state tax filing

    • CERTIFIED FINANCIAL PLANNER™

    • Accredited Behavioral Finance Professional SM

    • To to take the weight off your shoulders if you don’t have the time, willingness, or ability to manage your own personal finances.

    • To walk through life with you. Set goals, track progress, help you reach financial freedom, and celebrate the wins along the way.

    • Fiduciary duty means a financial advisor acts in the best interests of the client at all times when providing financial advice and financial planning. CFP® professionals commit to CFP Board to act as fiduciary.

    • Zoom - Planning sessions

    • Altruist - Investments

    • Right Capital - Planning

    • Wealth.com - Estate planning

    • Holistiplan - Tax planning

    • There will be two apps! (Not required, but highly recommended). Altruist to review your managed accounts and Right Capital to review your financial plan.

    • 100% virtually! All communication is via Zoom, phone, or email. No driving necessary.

    • There is no minimum or maximum quantity of connections! You have unlimited access to me. We’ll start by email and if we need more time together then we’ll use Zoom to continue our discussion!

A quick look into my life

Refer a friend!

Get a $200 Amazon gift card when a friend or family member signs up to be a client of Flames Financial Planning.