Joyce’s creativity, vision, and careful planning have served her clients well for almost three decades. Joyce saw the value in providing individuals and small business owners with sound, independent financial advice and became one of the early Certified Financial Planners in the industry. She received her CFP® and founded J. Cole Financial Advisers in 1996. ESG (Environmental, Social, and Governance) sensitive investments in changing economies have been a passionate focus throughout her career. Joyce joined CenterPoint Financial, Inc. in 2014 and worked in collaboration with Priscilla Gilbert, her daughter, until she retired in 2020. Though no longer involved in the daily operations of the business, Joyce remains a critical sounding board for Priscilla on many matters and is a member of the firm’s investment committee. Joyce lives in Saratoga Springs, NY and is very active on her farm, engaging in her community, embracing the outdoors, and pursuing her love of music.