# Joseph Carbone

> Joseph Carbone is a fee-only financial advisor at Focus Planning Group in Bayport, New York, who holds the CFP credential. Joseph charges a percentage of assets, hourly fees, a flat fee or retainer and a one-time planning fee (one-time plans from $3,750 and $300 an hour) and focuses on retirement planning, tax planning and flat-fee planning.

Page: https://find.wellspent.co/advisors/joseph-carbone/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Focus Planning Group
- **Based in:** Bayport, New York
- **Fee model:** Percentage of assets; Hourly; Flat fee or retainer; One-time planning fee
- **Fees (firm's website):** one-time plans from $3,750; $300 an hour; 1% a year on the first tier of assets managed; a $500,000 asset minimum
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $41.8M across 156 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Tax planning, Flat-fee planning
- **Works with:** Pre-retirees, Retirees
- **CRD:** 3026229 (https://adviserinfo.sec.gov/individual/summary/3026229)
- **SEC registration:** Investment adviser representative in NY, TX
- **Exams passed:** Series 63 (1998), Series 65 (1998)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://focusplanninggroup.com

## Frequently asked questions

### Is Joseph Carbone a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Joseph holds no broker registration, and Focus Planning Group reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Joseph charge for financial advice?

Joseph charges a percentage of assets, hourly fees, a flat fee or retainer and a one-time planning fee.

### How much does Joseph charge?

According to Focus Planning Group's website, checked October 30, 2026: one-time plans from $3,750; $300 an hour; 1% a year on the first tier of assets managed; a $500,000 asset minimum.

### Does Joseph work with clients virtually?

Yes. Focus Planning Group says on its website that it works with clients remotely.

### Where is Joseph Carbone based?

Joseph Carbone is based in Bayport, New York.

### What does Joseph specialize in?

Joseph's specialties include retirement planning, tax planning and flat-fee planning. Joseph works with pre-retirees and retirees.

### What credentials does Joseph Carbone hold?

Joseph Carbone holds the CFP credential.

### Is Joseph Carbone registered with the SEC?

Yes. Joseph Carbone is registered as an investment adviser representative in NY and TX (CRD 3026229), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Focus Planning Group manage?

Focus Planning Group reports $41.8M across 156 accounts in assets under management.

### How do I contact Joseph Carbone?

Through Joseph's website, focusplanninggroup.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3026229): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://focusplanninggroup.net/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.