Pearl Planning

Business Details

Your Trusted Financial Partner in Dexter, MI

At Pearl Planning, we specialize in transforming complex financial landscapes into organized, actionable strategies tailored to our clients' unique lives. As a team of CERTIFIED FINANCIAL PLANNERS and fiduciaries, we prioritize personalized financial planning that extends beyond mere investment management. Our approach is designed for busy individuals with intricate careers and family needs, offering achievable action steps without cookie-cutter solutions. We operate as independent advisors, ensuring transparency in fees and flexibility in adapting to evolving financial goals.

With a foundation built on resourceful wisdom and a commitment to lifelong learning, we guide clients through critical financial decisionsfrom retirement planning to divorce financial strategieswhile maintaining a people-first philosophy. Our firm's values emphasize community, grit, and a non-intimidating partnership that turns financial challenges into opportunities for lasting legacy.

Services

Financial Planning Investment Management Retirement Planning ESG Investing Divorce Financial Planning

Highlights and features

We are CERTIFIED FINANCIAL PLANNERS and fiduciaries committed to your best interests
Our personalized approach avoids cookie-cutter financial plans
We serve clients nationwide with virtual financial planning
Female-led advisory team offering judgment-free financial guidance
Transparent fee structure with no hidden costs

Associations and certifications

CERTIFIED FINANCIAL PLANNER
SEC registered investment adviser

What people say

Personalized financial solutions Knowledgeable CFPs Transparent fee structure

Website

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Services

Financial Planning

Our financial planning service creates customized strategies for individuals and families. We analyze your unique circumstances, including tax situations, investment portfolios, and life goals, to develop actionable plans. This service helps clients make informed decisions about retirement, education funding, and major life transitions while maintaining flexibility for changing priorities.

Investment Management

We offer tailored investment management combining passive and active strategies. Our approach considers risk tolerance, tax implications, and market conditions to build diversified portfolios. Regular rebalancing and annual reviews ensure alignment with your evolving financial objectives while maintaining cost-effective solutions through Raymond James and Schwab platforms.

Retirement Planning

Our retirement planning service addresses pre- and post-retirement needs. We analyze Social Security optimization, tax-efficient distributions, and healthcare planning. Using Monte Carlo simulations and historical data, we create sustainable withdrawal strategies while preparing for potential challenges like market volatility or healthcare costs in later life stages.

Environmental Social Governance

We provide ESG investment options aligning portfolios with personal values. This service evaluates companies based on environmental impact, social responsibility, and governance practices. While considering potential performance trade-offs, we help clients build portfolios that reflect their ethical priorities without compromising financial objectives.

Divorce Financial Planning

This specialized service guides clients through divorce-related financial decisions. We analyze asset division, spousal support calculations, and post-divorce budgeting. Our advisors coordinate with legal teams to ensure fair settlements while helping clients establish independent financial foundations through updated estate plans and investment strategies.

People

Melissa Joy

Founder & CERTIFIED FINANCIAL PLANNER

With extensive experience in financial planning, Melissa leads Pearl Planning's client-focused approach. She specializes in helping professionals navigate complex financial decisions while maintaining fiduciary integrity.

Alexa Kane

CERTIFIED FINANCIAL PLANNER

Alexa brings expertise in investment management and retirement planning. She focuses on creating personalized solutions for clients transitioning through major life changes.

Toni Wander

Financial Advisor

Toni specializes in ESG investing and works with clients to align portfolios with personal values while maintaining financial objectives through disciplined investment strategies.

Questions

What financial planning services do you offer?

We provide comprehensive financial planning including retirement strategies, investment management, ESG investing options, and divorce financial guidance tailored to individual circumstances.

Are you fiduciaries?

Yes, all our advisors are CERTIFIED FINANCIAL PLANNERS and fiduciaries required to act in your best interest for all recommendations.

How are your fees structured?

We use a tiered asset-based fee structure starting at 1.30% annually for accounts under $500,000 with transparent pricing and no hidden fees.

Do you work with out-of-state clients?

Yes, we serve clients nationwide through virtual meetings while maintaining our Dexter, Michigan office for local clients.

What makes Pearl Planning different?

We combine big-firm expertise with personalized service, avoiding standardized solutions in favor of customized strategies that adapt to changing life circumstances.

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Reviews (3)

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Natalie Bruno

Sep 01, 2020 Report

I've known Melissa for a long time. She is a professional friend turned personal friend. I knew that when I was ready, she would be my financial advisor. I kept hesitating to start working with her, thinking I didn't have enough money, I didn't make enough money, I'd start this when I had enough ducks in a row, etc. I had a major life change coming that finally pushed me over the edge. At the end of my first meeting, I thought, "I so wish I had done this 8 years ago!" It was relaxing, reinforcing, and supportive. I felt like she was thinking about critical topics for my future that I hadn't begun

Hope Herron

Aug 30, 2020 Report

Positive:Professionalism,Responsiveness
Melissa is so easy to work with. She has a wealth of knowledge to help you with your financial planning. Melissa is always responsive to any questions I have. I have recommended Melissa to others, as well.

Janelle Reichman

Aug 21, 2020 Report

After just a 2-hour meeting with Melissa, I left feeling ultra-clear and confident about both my knowledge regarding saving and preparing for the future and life I want as well what my next action steps and goals are in the year to come! In short, I felt empowered. It's obvious that Melissa is an expert in her arena, cares greatly about each one of her clients, and is dedicated to providing outstanding service. Also, the other two women in the Pearl Planning family are friendly, warm, and beyond highly competent. I would recommend Melissa and Pearl Planning to anyone, especially women, looking