# Joseph Cefalu

> Joseph Cefalu is a fee-only financial advisor at Downtown Wealth Studios in Miami, Florida. Joseph focuses on founders (pre-exit), equity compensation and family wealth transfer. Downtown Wealth Studios reports charging a percentage of assets and fixed fees on its Form ADV.

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

## Facts

- **Firm:** Downtown Wealth Studios
- **Based in:** Miami, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $563.5M across 135 accounts
- **Specialties:** Founders (pre-exit), Equity compensation, Family wealth transfer, Tax planning, Retirement planning, Estate & legacy planning
- **Works with:** Founders, Executives, Ultra high net worth, Multi-generational families, Retirees, Early-career professionals, High earners
- **CRD:** 3215684 (https://adviserinfo.sec.gov/individual/summary/3215684)
- **SEC registration:** Investment adviser representative in CA, FL, MA, NY
- **Exams passed:** Series 63 (1999), Series 65 (2023)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://dtwn.co

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: Joseph holds no broker registration, and Downtown Wealth Studios 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's firm, Downtown Wealth Studios, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Joseph Cefalu based?

Joseph Cefalu is based in Miami, Florida.

### What does Joseph specialize in?

Joseph's specialties include founders (pre-exit), equity compensation, family wealth transfer, tax planning, retirement planning and estate & legacy planning. Joseph works with founders, executives, ultra high net worth, multi-generational families and retirees.

### Is Joseph Cefalu registered with the SEC?

Yes. Joseph Cefalu is registered as an investment adviser representative in CA, FL, MA and NY (CRD 3215684), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Downtown Wealth Studios manage?

Downtown Wealth Studios reports $563.5M across 135 accounts in assets under management.

### How do I contact Joseph Cefalu?

Through Joseph's website, dtwn.co.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3215684): 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://www.dtwn.co/): 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.