Absolutely not!

Financial planning is about making the most of what you have and creating a strategy to achieve your goals, no matter where you’re starting. Joyner Financial Planning specializes in helping first-generation professionals with competing priorities build a solid foundation.

While investments are a piece of the puzzle, financial planning is much broader. It includes creating a budget, managing debt, optimizing employee benefits, achieving major goals like buying a home or saving for retirement, and protecting your assets with insurance and estate planning.

Not at all! Part of the process is helping you organize and understand your financial picture. We’ll work together to gather and sort through what’s needed.

Apps can be great for tracking and budgeting, but they can’t replace personalized advice. A financial planner can help you navigate life’s complexities and create a tailored plan that adapts as your priorities change.

Starting early is one of the best ways to set yourself up for success. Planning in your 30s and 40s can give you the flexibility to take risks, achieve big goals, and reduce financial stress later on.

Definitely not! We believe in building a plan that aligns with your values and lifestyle. It’s about finding balance, not deprivation.

Financial planning is for anyone who wants to make informed decisions about their money. Whether you’re managing student loans, starting a family, or saving for a dream vacation, we can help simplify your finances.