Carmetta Joyner
Practical, lecture-free planning that helps first-generation professionals organize their finances and put a custom plan into action.
Joyner Financial Planning LLC · San Francisco, California
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.
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Specialties
Who they serve
- Early-career professionals
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.
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 |
| Accepting new clients | Yes |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA · CRD 7443192 |
| Exams passed | Series 65 (2021) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | joynerfinplan.com |
| Profile |
How Carmetta's firm compares
- Ongoing planning starts at $1,500 a year, below the California median of $6,000 for fee-only firms that publish prices.
- A one-time plan starts at $3,000, above the California median of $2,500 for fee-only firms that publish prices.
- The hourly rate is $150, below the California median of $300 for fee-only firms that publish prices.
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Questions about Carmetta
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- NAPFA directory listing : NAPFA admits only fee-only advisors
- Advice-Only Network listing : advice-only practices, no product sales
- Joyner Financial Planning LLC website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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