Financial planning that’s

clear and approachable,

modern and relatable,

stress-free and effective,

simple and empowering,

tailored to you,

clear and approachable, modern and relatable, stress-free and effective, simple and empowering, tailored to you,

Welcome to Joyner Financial Planning

Carmetta Joyner, CFP®

Founder & Financial Planner

As a Certified Financial Planner®, my goal is to help you take charge of your finances without the jargon—just practical advice.

My approach provides the tools and know-how to handle your money like a pro—no spreadsheets required (unless you’re into that sort of thing). You’ll walk away making confident financial decisions without second-guessing yourself.

You’ll receive a personalized financial plan made just for you by a CFP® professional, and it doesn’t stop there. You’ll have a partner to help you actually put your plan into action, ensuring it doesn’t just sit idle or gather digital dust.

Common topics I help with…

    • Keep a safety net: Make sure you have enough cash for life’s surprises while earning more on your savings.

    • Spend with purpose: Create a budget that matches your goals and values.

    • Cut the fluff: Track spending to find and eliminate waste.

    • Maximize your money: Spot where your cash flow is off and fix it.

    • Ditch the debt: Pay off debt smarter and build a strong credit score.

    • Plan for their future: Set up smart savings or investment accounts, like 529 plans, to cover education costs.

    • Get ahead of the game: Build a plan to balance education savings with your other financial goals.

    • Make the most of your stock perks: Get smart with stock options, RSUs, and ESPPs.

    • Save on health costs: Maximize your medical, dental, and vision benefits.

    • Plan your time off: Use PTO, sick leave, or family leave to support your goals and work-life balance.

    • Protect what matters: Ensure your work and personal insurance have you covered.

    • Stress less about money: Get a clear plan to manage your finances and debt.

    • Invest in your goals: Align your money with dreams like buying a home or retiring early.

    • Feel confident: Take control of your financial decisions with expert guidance.

    • Protect loved ones: Secure inheritances for kids, special needs individuals, or those who need help managing money.

    • Plan for care: Choose someone you trust to make healthcare decisions for you.

    • Choose guardians: Name caregivers for your children or dependents with special needs.

    • Ease the burden: Make sure debts are handled without overwhelming your family.

    • Find your balance: Create the right mix of investments—stocks, bonds, real estate, and cash—based on your goals, timeline, and comfort with risk.

    • Keep your investments on track: Rebalance your portfolio to stay aligned with your goals and risk tolerance.

    • Plan your savings: Set yearly goals for saving and contributions.

    • Retirement timing: Figure out when you can retire and what it will take.

    • Smart withdrawals: Develop a strategy for taking money out of your retirement accounts.

    • Roth conversion strategy: Analyze whether converting to a Roth IRA makes sense for you.

    • Tax-smart planning: Manage your tax bracket and optimize gains through smart harvesting.

    • Stock option strategy: Plan how to handle your stock options for maximum benefit.

Discover what it’s like to work with an advisor and embrace financial calm and clarity.