Melissa Nicole Joy

Employer firm

Pearl Planning CRD 336568

$329M regulatory AUM

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (institutions)
• Pension consulting
• Selection of other advisers

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 07/1998 → 10/2021
  Raymond James Financial Services, Inc.
  Ann Arbor, MI
• 08/1999 → 08/2018
  Center For Financial Planning
  Southfield, MI
• 07/2018 → 10/2021
  Raymond James Financial Services Advisors, Inc.
  Dexter, MI
• 10/2021 → Present
  Stephens Consulting, Llc
  Dexter, MI
• 07/2025 → Present
  Pearl Planning
  Dexter, MI

Previous Registrations

• 2021-10-01 → 2025-08-07
  Stephens Consulting, Llc
  Flint, MI
  Dexter, MI
• 2018-07-13 → 2021-10-11
  Raymond James Financial Services Advisors, Inc
  Ann Arbor, MI
  Southfield, MI
  Dexter, MI
• 2012-03-02 → 2020-06-30
  Center For Financial Planning Inc
  Southfield, MI

Other Businesses

1. Independent insurance agent; not investment-related; started 12/2018; approximately 8 hours per month, all during securities trading hours. 2. Laughing Moose Lodge LLC; not investment-related; 7300 Webster Station Dr, Dexter, MI 48130; vacation rental; owner; started 09/2020; approximately 5 hours per month, none during securities trading hours; property management and marketing. 3. First Congregational church; not investment-related; 608 E William St, Ann Arbor, MI 48104; religious; Investment Committee Member; started 01/2018; approximately 2 hours per month, zero hours during securities trading hours; attend investment committee meetings.

Exams

• S66 Uniform Combined State Law Examination
  2010-06-21
• S63 Uniform Securities Agent State Law Examination
  2003-12-31

Designations

• Certified Financial Planner

Other Names

• Melissa Nicole Wood
• Melissa Nicole Wood
• Melissa W Joy