# Carmetta Joyner > Carmetta Joyner is a fee-only financial advisor at Joyner Financial Planning LLC in San Francisco, California, who holds the CFP credential. Carmetta charges a one-time planning fee and hourly fees (ongoing planning from $1,500 a year and one-time plans from $3,000) and focuses on tax planning, retirement planning and estate & legacy planning. Page: https://find.wellspent.co/advisors/carmetta-joyner/ Built from public directory listings; last checked April 21, 2026. ## Facts - **Firm:** Joyner Financial Planning LLC - **Based in:** San Francisco, California - **Fee model:** One-time planning fee; Hourly - **Fees (firm's website):** ongoing planning from $1,500 a year; one-time plans from $3,000; $150 an hour - **Fees (Advice-Only Network profile):** one-time plans $3,000; from $300 an hour - **Works virtually:** Yes (Advice-Only Network profile) - **Accepting new clients:** Yes (Advice-Only Network profile) - **Credentials:** CFP - **Specialties:** Tax planning, Retirement planning, Estate & legacy planning, Equity compensation - **Works with:** Early-career professionals - **CRD:** 7443192 (https://adviserinfo.sec.gov/individual/summary/7443192) - **SEC registration:** Investment adviser representative in CA - **Exams passed:** Series 65 (2021) - **Firm size:** 1 employee - **Disclosures:** None reported - **Website:** https://joynerfinplan.com ## About Carmetta Joyner is a CFP professional at Joyner Financial Planning, where she helps first-generation professionals organize their financial lives and feel confident about their money and future. She offers practical advice without the lecture. Carmetta gives clients the tools and know-how to manage their money well, with no spreadsheets required unless they enjoy them. Each client receives a custom financial plan, and she stays involved to help put it into action so it gets used rather than set aside. The goal is for clients to make financial decisions with confidence and without second-guessing themselves. ## Frequently asked questions ### Is Carmetta Joyner a fee-only financial advisor? Yes. Carmetta Joyner is listed in the XY Planning Network directory (XYPN members are fee-only), the NAPFA directory (NAPFA admits only fee-only advisors) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Carmetta's firm. ### How does Carmetta charge for financial advice? Carmetta charges a one-time planning fee and hourly fees. ### How much does Carmetta charge? According to Joyner Financial Planning LLC's website, checked October 28, 2026: ongoing planning from $1,500 a year; one-time plans from $3,000; $150 an hour. ### Does Carmetta work with clients virtually? Yes. Carmetta's Advice-Only Network profile says they meet with clients virtually. ### Where is Carmetta Joyner based? Carmetta Joyner is based in San Francisco, California. ### What does Carmetta specialize in? Carmetta's specialties include tax planning, retirement planning, estate & legacy planning and equity compensation. Carmetta works with early-career professionals. ### What credentials does Carmetta Joyner hold? Carmetta Joyner holds the CFP credential. ### Is Carmetta Joyner registered with the SEC? Yes. Carmetta Joyner is registered as an investment adviser representative in CA (CRD 7443192), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. ### How do I contact Carmetta Joyner? Through Carmetta's website, joynerfinplan.com. ## Sources - XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/carmetta-joyner-18912): XYPN members are fee-only - NAPFA directory listing: NAPFA admits only fee-only advisors - Advice-Only Network listing: advice-only practices, no product sales - SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026 - The firm's website (https://www.joynerfinplan.com/): specialties, clients served, and fees, checked October 28, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.