Dexter 734.274.6744 |
Grosse Pointe 313.486.9634
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Financial Planning For Real Life.

Melissa Joy, Morgan Glenn, and Melissa Fradenburg, financial advisors for women


Financial Planning For Real Life.

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’re at 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.

Melissa Joy Guest on Mother of Reinvention Podcast w/ Meagan Francis

Mother of Invention podcast with Melissa Joy Guest

In Episode 8 of the Mother of Reinvention podcast with Meagan Francis, guest Melissa Joy, Certified Financial Planner and owner of Pearl Planning, and I discuss financial self-care. Uh, what? Yes, we are arguing that caring for your money is an essential way to care for yourself as you plan for your “what’s next” life, even more important than pedicures and bubble baths (perish the thought!) Whether your reinvention story includes a move, a big trip, a side hustle or whatever other thing you’ve got planned, understanding your money gives you more options, more freedom, and way less stress.

The Pearl Planning Family


President, Pearl Planning, Wealth Advisor, RJFS

Financial Advisor, Pearl Planning, RJFS

Financial Advisor, Pearl Planning

Chief Operating Officer, Pearl Planning, Business Manager, RJFS

Client Service Representative, RJFS, Pearl Planning

Client Service Representative, RJFS, Pearl Planning

Why Pearl Planning?



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.

As Seen In

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Working Mother logo
Detroit Free Press Logo
Crain's Detroit Business logo
Financial Planning Magazine logo
FA Financial Advisor logo

How We Help You


Melissa Joy sitting with a client, teaching financial literary and plan

Financial Planning

Take a comprehensive look at your whole financial life. Prioritize your goals, organize your decisions and proactively plan on your next steps.

an older couple seeking retirement financial planning

Retirement Planning

What will retirement look like? How much can you spend and how can you best prepare?

Broken paper heart with two parents and child divorce financial planning

Divorce Planning

Managing through adversity is best tackled through triage. What will life look like after your divorce? How can your decisions help your future self?

Laptop showing stock and investment management

Investment Management

The key to successful investment decisions is process and execution. Manage your decisions within a straightforward framework for success over time.

ESG Environmental Social Governance - person writing on a contract with a pen

Environmental Social Governance

Align your personal values with your investment portfolio. Responsible investment portfolios can factor in key considerations such as climate change, data security, or company diversity.

From the Podcast


Upcoming Events

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From the Blog



The Money Smart Charitable Giving Webinar REPLAY

By Melissa Joy, CFP®, CDFA® | 12:00 pm | Comments Off on The Money Smart Charitable Giving Webinar REPLAY

In this webinar Julie Shumaker, President of Dexter Community Fund and Melissa Joy, CFP®, President of Pearl Planning discuss tax-aware giving in 2021 and how legislative changes from Tax Cuts & Jobs Act (2018), Secure Act (2019) and CARES Act + Stimulus (2020-21) have changed some rules on giving. They will address how a Donor …

Our Gift to You


Book cover: Guided Pearls, your 2021 financial action plan

Guided Pearls: Your 2021 Financial Action Plan

Tackle your financial fears one week at a time! In your COMPLIMENTARY download, you’ll receive:

• A monthly calendar including timely financial reminders
• A space to lay out your financial goals, plus nudges to stay on track
• 12 guided journaling activities for monthly improvements to financial decisions and mindset

Ready to Start the Conversation?


Dexter, MI

Melissa Joy Michigan financial planner

Melissa Joy

8031 Main St. Suite 302
Dexter, MI 48130



Dexter, MI

Alexa Kane, Michigan financial planner

Alexa Kane

8031 Main St. Suite 302
Dexter, MI 48130



Grosse Pointe, MI

Melissa Fradenburg michigan financial planner

Melissa Fradenburg

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



Pearl Planning - no grit no pearl - financial planner advisor in Ann Arbor Dexter Michigan

Pearl Planning Grosse Pointe
81 Kercheval Avenue, Suite 202
Grosse Pointe Farms, MI 48236

Pearl Planning Dexter
8031 Main St. Suite 302
Dexter, MI 48130

Check the background of this firm on

Utilizing an ESG investment strategy may result in investment returns that may be lower or higher than if decisions were based solely on investment considerations.

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Data provided by SHOOKTM Research, LLC as of July 2017. The Working Mother and SHOOK research ranking is based on an algorithm of qualitative and quantitative data. SHOOK Research considered wealth advisers who are mothers with at least one child living at home and under the age of 18 with a minimum 5 years of industry experience. Ranking algorithm is based on qualitative measures derived from telephone and in-person interviews and surveys: service models, investing process, client retention, industry experience, review of compliance records, firm nominations, etc.; and quantitative criteria, such as assets under management and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and advisers rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research LLC. Neither SHOOK nor Working Mother receives compensation from the advisers or their firms in exchange for placement on a ranking. Raymond James is not affiliated with Working Mother or Shook Research, LLC. This ranking is not indicative of advisor’s future performance, is not an endorsement, and may not be representative of individual clients’ experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating.

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