Joshua Joffe, CFP®

I often describe myself as an accidental advisor. I did not study finance in college.

I started pre-med because that felt like the responsible path, then shifted to English because I loved writing and had no clear idea what came next. My first exposure to markets happened almost by chance when I visited an equity trader's office and became fascinated by what I saw.

That led to my first role in trading, then to portfolio management at a large investment management firm during the 2008 financial crisis. Living through that period shaped how I think about risk, discipline, and humility in markets.

Over time, I realized I wanted to be closer to the people behind the portfolios. I went back to school to earn my MBA, later completed my CFP® certification, and transitioned fully into financial planning so I could work directly with clients on the decisions that actually shape their lives.

My background blends institutional investment experience with comprehensive financial planning.

On the investment side, I have experience in portfolio construction, asset allocation, and tax-aware implementation. I am comfortable managing portfolios across public and private markets, incorporating more advanced portfolio strategies, where appropriate.

On the planning side, my work includes retirement income planning, tax coordination, estate and legacy planning, education funding, and lending solutions.

I try to connect these areas while helping clients think through complex financial decisions in a structured way, because in real life, they are all interconnected.

I work with individuals and families across a wide range of life stages.

That includes retirees thinking about income and legacy, professionals navigating career transitions, executives managing equity compensation, business owners, and families balancing competing priorities.

I do not limit my practice to a single niche. What matters more to me is perspective mindset. The clients who tend to work best with me are those who value clarity, thoughtful advice, and are seeking a long-term relationship rather than a transactional one.

It depends on the person and the situation.

For some clients, that means navigating a liquidity event or managing a concentrated stock position. For others, it means integrating alternative investments thoughtfully within a broader portfolio. For many, it means designing a long-term distribution strategy that balances tax efficiency with flexibility.

The common theme is durability. The goal is not to chase trends. It is to design portfolios and plans that can hold up through changing markets and evolving circumstances.

I combine institutional investment leadership with deeply personal advice.

I start by defining what success actually means for you. Only then do we design a portfolio around those objectives. I’m less interested in forecasts or bold predictions and more focused on clarity, discipline, and making thoughtful decisions under uncertainty.

I’m also intentional about maintaining a select client base. That allows me to stay responsive, engage more deeply, and preserve the quality of each relationship.

Seeing someone shift from uncertainty to clarity.

Many of us carry underlying anxieties around money. Helping someone organize their financial life, make clear and thoughtful decisions, and feel more confident moving forward, is the most rewarding part of my work.

Savvy allows me to focus on my clients above all else, without the operational and administrative constraints that so many advisors face.

I value autonomy and independence, along with the infrastructure and resources to support my operations. Savvy empowers me to maintain control over how I manage relationships, while providing the team and technology to deliver a superior client experience.

That balance was important to me.