Melissa Joy, CFP®, CDFA®

Financial Planning For Real Life.

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Pearl Planning Melissa Joy, CFP®, CDFA® She/Her
Dexter, MI

Serving Clients Nationwide

Financial Planning For Real Life.

Areas of Focus

  • Financial Life Planning
  • Investment Management
  • Retirement Planning
  • Taxes

About Me

Hi, I'm Melissa Joy. Before founding Pearl, I worked in the world of financial planning and investments for more than twenty years. As a CERTIFIED FINANCIAL PLANNER® professional and Certified Divorce Financial Analyst®, I specialize in working with executives, entrepreneurs, and those needing help with transitions such as retirement or divorce.

Even though Pearl is based in Dexter, and has four locations in Michigan, our clients live coast-to-coast and we use all the tools of technology plus plain-old human connection to build relationships across the miles.

Founded in 2018, Pearl Planning fulfilled my dreams to start my own company someday. Just as a pearl symbolizes wisdom gained through experience, I used my background running the investment and financial planning departments along with complex client practice experience to create a client-focused, personalized and modern wealth management firm.

Dexter, Michigan is home for me, my husband, Jeff, and our kids, Gus and Jo. In addition to spending time with family, I have a lifetime love of playing soccer, reading, and travel. I also have a passion for supporting and promoting women in financial advice careers.

Professional Designations

  • Certified Divorce Financial Analyst (CDFA)


  • The AGC

Primary Location

8031 Main St. Suite 302 Dexter, MI 48130

Additional Locations

📍 Grosse Pointe: 81 Kercheval Avenue, Suite 202 Grosse Pointe Farms, MI 48236

📍 Birmingham: 600 S Adams Road, Suite 300 Birmingham, MI 48009

📍 Charlevoix: 201 State Street, Suite D Charlevoix, MI 49720


Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Hourly Rate
  • One-time Financial Plan
  • Package Offers
  • Percentage of Assets Managed

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a free "Get to Know You" call. Tell us what prompted you to reach out and what you want to work on. We’ll explain our services, your costs, and answer your questions about us.

Offers Investment Management


About our Firm

Pearl Planning is a wealth management and financial planning practice. We encourage clients to approach their financial decisions with confidence and pride ourselves in offering wealth management for the real world. Located in Dexter, Michigan, Pearl Planning works with clients in Michigan and around the country.

There’s no textbook or directory for your life and the same goes for your financial plan. It should be practical, approachable, and meet you where you are in life. Whether that’s on retirement’s doorstep or dreaming of stepping up to the doorstep of your first home, we’ll help you make confident financial decisions.


✅ Financial Planning For Real Life. You don’t have to wait for a good hair day to start your financial plan. Tell us how your life really is and we’ll work with you to guide your next steps.

✅ Fiduciary Advice Built For You. What is fiduciary? We provide recommendations that are in your best interest.

✅ The Gift of Confidence. We affirm your successes and work with you on challenges. All this results in the compound returns of good financial choices.


University of Michigan, Bachelor of Arts, Political Science

Hobbies and Interests

  • Family
  • Reading
  • Soccer
  • Traveling

Who We Serve

  • Baby Boomers
  • Business Owners
  • Corporate Executives
  • Couples
  • Divorce
  • Dual Income Family
  • Gen X
  • Parents
  • Single Women
  • Women in Transition
  • Women Professionals
  • Women’s Finance

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for providing access to the benefits described here (including being featured on this profile page), subject to these terms. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.