# Michael Joyce

> Michael Joyce is a fee-only financial advisor at CW Advisors in Bethlehem, Pennsylvania, who holds the CFA, CFP and MBA credentials. CW Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/michael-joyce/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** CW Advisors
- **Based in:** Bethlehem, Pennsylvania
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $15.22B across 23,756 accounts
- **Credentials:** CFA, CFP, MBA, CPA, MBT
- **CRD:** 1047470 (https://adviserinfo.sec.gov/individual/summary/1047470)
- **SEC registration:** Investment adviser representative in PA, VA
- **Exams passed:** Series 65 (1991)
- **Firm size:** 152 employees
- **Disclosures:** None reported

## Frequently asked questions

### Is Michael Joyce a fee-only financial advisor?

Yes. Michael Joyce is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Michael's firm.

### How does Michael charge for financial advice?

Michael's firm, CW Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Michael Joyce based?

Michael Joyce is based in Bethlehem, Pennsylvania.

### What credentials does Michael Joyce hold?

Michael Joyce holds the CFA, CFP, MBA, CPA and MBT credentials.

### Is Michael Joyce registered with the SEC?

Yes. Michael Joyce is registered as an investment adviser representative in PA and VA (CRD 1047470), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does CW Advisors manage?

CW Advisors reports $15.22B across 23,756 accounts in assets under management.

### How do I contact Michael Joyce?

Contact details aren't on file yet. Search for CW Advisors.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/1369): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026

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