Michael Joyce Advises on Safeguarding Your Personal Financial Info Online


Michael Joyce authored an article for Lehigh Valley Business that included seven ways to lock down your personal and financial information online.  In the article, Michael discusses the importance of cybersecurity measures to protect the information you keep online. Some examples of these measures include securing your home internet router, using two-factor authentication and turning on automatic software updates.  To read the entire article, please click here.

Michael Joyce Speaks with CNN Money


Michael Joyce spoke with CNN Money about essential questions to ask a financial advisor before deciding to work with them. Michael stressed the importance of understanding how the advisor gets paid and whether they are committed to putting your best interests first. To read the whole article, click here.

JoycePayne Partners Listed in Barron’s Top 1,200 Financial Advisors


JoycePayne Partners announces that the firm was named a “Top Financial Advisor” in 2016 by Barron’s for the second year in a row and 14th in Virginia. The annual ranking is based on three components: assets managed, revenue produced, and quality of practice. The data is compiled by individual advisors and is verified with regulatory filings.

“We are honored to be named again to Barron’s ranking of the top financial advisors in the United States,” said Michael Joyce, CFA, CFP®, President of JoycePayne Partners. “This accomplishment is thanks to all of the amazing individuals, families, and business owners who entrust their financial future to us. Our goal is to build life-long relationships with our clients in order to develop individualized solutions to meet their financial goals. This award is an acclamation that we are delivering on that goal.”

Founded in 1993, JoycePayne Partners has grown into one of the leading fee-only firms in the United States, providing comprehensive financial planning and investment management services. Building off its philosophy as becoming clients’ personal Chief Financial Officer, JoycePayne Partners blends financial planning, investment strategy, and strategic services to provide unique and customized solutions. No two clients share the same risk tolerances, time horizons, and dreams which means that their financial approach should not fall into a one-size-fits-all mindset. JoycePayne Partners’ success over the past 23 years has been rooted in the firm taking the time to understand its clients and crafting an approach best suited to their goals.

Mr. Joyce continued, “Our team of professionals provide value to our clients by developing comprehensive, personalized, and customized approaches and building trust. Their work is what has helped us achieve this wonderful honor.”

Michael Joyce Advises Business Owners on Exit Planning


Lehigh Valley Business published an article written by Michael Joyce in their March 7, 2016 Focus on Mergers & Acquisitions section.  Michael advises business owners interested in selling their business to pay attention to a few key issues, such as the structure of the payout, taxes and salary for continued employment.  To read all of Michael’s recommendations, please click here.

Michael Joyce Speaks with Financial Advisor IQ


Michael Joyce spoke with Financial Advisor IQ, Financial Times publication, about considering cash flow for retirees.  In the interview, Michael comments that planning for a client’s entire year’s cash flow, particularly if they are relying solely on portfolio income, is a smart thing to do at the beginning of each year.  To watch the complete interview, click here.

Michael Joyce Describes Custodial Options for Your Assets


Michael Joyce wrote an opinion article for Lehigh Valley Business that was published on February 22, 2016.  The article describes a couple custody options for your assets and the benefits of each.  To read the entire article, click here.

JoycePayne Partners Hires Financial Strategist in Bethlehem


JoycePayne Partners announces that Michael Moloney CFP®, CAP® has joined the firm in its Bethlehem, PA office as a Financial Strategist. Mr. Moloney has over 18 years of financial planning and financial services experience, servicing prominent individuals and families as well as mid to large sized business owners.

“I am excited to welcome Michael to our team,” said Michael Joyce, CFA, CFP, President of JoycePayne Partners. “His wealth of experience and reputation for providing clients with excellent estate and legacy planning as well as retirement and business succession strategies will be a tremendous asset to our clients and team in Pennsylvania.”

In his new role, Michael will be responsible for client financial strategy and counsel, comprehensive financial planning and investment management. Prior to joining JoycePayne Partners, Mr. Moloney was a Senior Wealth Planner at PNC Bank’s Asset Management Group in Baltimore, Maryland. During that time, he developed personalized solutions for clients based on financial goals, personal aspirations and core values. Mr. Moloney is a Certified Financial Planner, CFP® and a Chartered Advisor in Philanthropy, CAP®. He received his Bachelor of Arts from the University of Vermont.
“JoycePayne Partners has an amazing reputation for providing personalized, objective, and innovative financial planning services to clients,” said Moloney. “Joining the firm in Bethlehem is an honor and I look forward to working with the entire team to deliver personalized and creative investment solutions for our clients.”

Michael Joyce Supports Proposed Fiduciary Rule for Retirement Investors


Michael Joyce authored an opinion article for The Morning Call that was published on Saturday, January 23 regarding the Department of Labor’s proposed rule to enforce the fiduciary standard for all advisors to retirement plans.  The much-contested rule was not blocked during a key opportunity in December, and it is planned to be submitted to the White House Office of Management and Budget by January 31.  The rule would hold all financial advisors offering advice to retirement savers to the ethically high fiduciary standard, under which all registered investment advisers, including JoycePayne Partners, already operate.  To read the entire article, click here.

Michael Joyce Writes about Volatility for Virginia Business


Michael Joyce wrote an opinion piece for Virginia Business titled “Mitigating the effects of volatility and thoughts about China” that was published on January 20, 2016.  In the article, Michael compares volatility and risk, details strategies for reducing risk and uses China as an example of recent market volatility that is not truly risk.  To read the entire article, click here.

Michael Joyce Advises Physicians to Stay Apprised of Developments Affecting Retirement Plans


Physicians Practice published an article by Michael Joyce on January 17, 2016 regarding legal shifts affecting the retirement plan industry.  He noted a Supreme Court ruling from May 2015 and the Department of Labor’s expansion of those advisors held to the fiduciary standard.  He emphasized how important it is for physicians practices that offer retirement plans to employees to be aware of such legal developments and hire service providers who ensure they manage their plan investments correctly.  To read the entire article, click here.

Marilee Falco Discusses Strategies to Save for Retirement


Lehigh Valley Business published an article on January 11, 2016 written by Marilee Falco suggesting strategies for workers of all ages to save for retirement.  A main point Marilee makes is that the earlier you start saving, the better.  However, there are also suggestions for people who are closer to retirement who have either neglected to or been unable to start saving early.  To read the entire article, click here.

Cynthia Levine Featured in Decision Maker Column in Richmond Times-Dispatch


Richmond Times-Dispatch featured Cynthia Levine, Financial Planning Analyst at JoycePayne Partners, in their Decision Makers column on December 28, 2015.  To read more about Cynthia, including the best advice she has ever received or the most difficult job situation she’s ever been in, click here.

JoycePayne Partners Wishes Jack Payne Continued Success in New Role


JoycePayne Partners announced today that Chief Investment Officer Jack Payne has taken a role as Senior Vice President Finance & Operations at Ambassador Financial Group, an Allentown-based investment bank.

“For the past 15 years, JoycePayne Partners has been my home,” said Jack Payne. “During my time with the firm, I have thoroughly enjoyed working with the entire team and especially our clients. My decision to leave was not easy but I am excited about the new challenges that await me at Ambassador. I fully expect JoycePayne Partners will continue to thrive as it serves as an indispensable partner to its clients.”

“Jack has been a tremendous ally and business partner,” said Michael Joyce. “Although sad to see him depart, I am so thankful for his ongoing support of our firm and friendship. JoycePayne Partners continues to see amazing growth and our future is extraordinarily bright as more and more clients recognize the value that we bring to the table by building a foundation of trust around their financial needs.”

Jack Payne’s last day with the firm was December 23, 2015. He will be starting his new role at Ambassador Financial Group on January 4, 2016.

JoycePayne Partners is an independent, fee-only firm providing comprehensive financial planning and investment management services that serve the best interests of successful individuals and families. With over twenty team members in offices in Richmond, Virginia and Bethlehem, Pennsylvania, JoycePayne Partners serves as a personal Chief Financial Officer for clients all across the United States in order to help them achieve their individualized financial goals.

Michael Joyce Answers FAQs from 2015


Michael Joyce authored an article for Lehigh Valley Business that was published on December 21, 2015 addressing the top questions he received throughout 2015.  Two of the questions relate to the current economic environment, but one of them is a standard planning question.  It is interesting to note that even in times of market adjustment and volatility, clients still concern themselves with the basics.  To read the entire article, click here.

Michael Joyce Joins Local Experts to Advise on Year-End Planning


Local experts, including Michael Joyce, were interviewed recently by Richmond Times-Dispatch about advice they would give for year-end tax planning.  To see what Michael and others had to say about topics such as the interest rate hike, retirement account contribution limits, and how the presidential election will affect the markets, click here.

Jack Payne Gives Top Ten Year-End Financial Tactics


LeLehigh Valley Business published an article on November 23, 2015 authored by Jack Payne regarding the top ten financial planning tactics all investors should consider at year-end.  Don’t forget to review your beneficiary designations and replenish your emergency savings account.  To see the rest of Jack’s tips, click here.

Michael Joyce Quoted on Lacker’s Dissension on Interest Rates


An article published in the Richmond Times Dispatch on October 31, 2015 regarding Federal Reserve Bank of Richmond’s President Jeff Lacker’s position on interest rates includes extensive quotes from Michael Joyce.  Michael commented that it makes little difference if the Fed raises rates in December or in 2016.  Any increase will likely be small with some time taken afterward to measure impact.  To read the entire article, click here.

Michael Joyce Discusses Responsibility around Employer-Sponsored Retirement Plans


Lehigh Valley Business published an article on October 19, 2015 authored by Michael Joyce regarding the responsibility of employers to their sponsored retirement plans.  401(k) plans can be a great benefit to offer all employees, but with the benefit comes responsibility, including acting as fiduciary, managing employee contributions and determining plan investments.  Such responsibilities can be delegated by hiring qualified service providers.  To read the entire article, click here.

Michael Joyce Comments on the Benefits of 529 Plans


Just in time for back to school considerations, Michael Joyce wrote an article for Lehigh Valley Business regarding the advantages of saving for college through a 529 plan.  College savings accounts can be opened as soon as a child has a social security number and can be funded with as little as $25 per month.  The plans also have significant tax advantages.  To read the entire article, click here.

Michael Joyce Not Surprised by Fed’s Decision


Richmond Times-Dispatch published an article on September 18, 2015 regarding the recent decision by the U.S. Federal Reserve to keep interest rates unchanged.  Michael Joyce was interviewed for the article, and stated that he was not surprised by their decision.  He believes their tightening of monetary policy will be “steady and measured.”  To read the entire article, please click here.

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