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Wealth Is What You Have

Reliable Financial Planning Is What You Need


INDEPENDENT & CARING IS WHO WE ARE

Offering Financial & Retirement Planning

Learn More About Our Services


You Have Goals East Brookfield, MA Joyful Wealth Planning, LLC

You Have Goals.

These are the things you’ve been daydreaming about behind your desk for years. Cruising around Europe, settling down beachside or simply turning off the alarm clock for good. But reaching retirement, buying a home or growing your portfolio require the planning and know-how to take what you have today and optimizing it for tomorrow. 



Together We Can Help Get You There.

That’s why we view wealth as the tool - not the goal - when it comes to helping you find financial independence toward retirement. Our founder, Amy, has spent over 23 years in the financial services industry. Combining her experience with the resources of Cetera Wealth Partners, our firm is dedicated to helping those nearing or in retirement find financial independence.

We help you get there together East Brookfield, MA Joyful Wealth Planning, LLC



 Are You Nearing Retirement? 


Learn How We Can Help


Our Firm At a Glance

Independent East Brookfield, MA Joyful Wealth Planning, LLCIndependent

Our firm is independent in our offerings. We are not obligated to sell any specific products or services. This allows us to focus on finding appropriate solutions for you and your unique financial picture.

Accountable East Brookfield, MA Joyful Wealth Planning, LLCAccountable

Our founder, Amy, considers herself a financial accountability partner. While providing you with a plan is important, the real magic happens when you take the next steps needed to put the plan into motion. We help you follow through and stick to your financial plan year after year. 

Collaborative East Brookfield, MA Joyful Wealth Planning, LLCCollaborative

We want every piece of your financial picture to work in tandem, meaning we’ll happily coordinate and collaborate with your other trusted professionals including attorneys and CPAs.

Responsive East Brookfield, MA Joyful Wealth Planning, LLCResponsive

Give us a call, and we’ll call you right back. We’re focused on being easy to reach and responsive to our clients.


Get To Know

Your Financial Planning Advocates


Amy H. Kiley, CMFC Photo

Amy H. Kiley, CMFC

Investment Advisor Representative | Founder

P: 508-867-8400

Email: amy.KILEY@ceterawealth.com


When I was in my early 20’s, I experienced firsthand the impact a lack of financial planning can have on a family. In fact, this pivotal moment is what fueled my interest in financial planning over 25 years ago.

My grandparents had eight children and lived on a dairy farm until they passed away. What happened next is not uncommon, but it has shaped me into the advisor I am today.

Because there was such a poor estate plan put into place before my grandparents died, the farmhouse stood empty for 11 years. It’s easy to imagine why - there were eight children with conflicting opinions on what to do. Some wanted to sell, some wanted to keep it. The children were left with no plan in place, making it nearly impossible to decide what to do next. Our once tight knit family was riddled with conflict by the financial burdens left behind by poor planning.

Watching from the sidelines as a young 20-something left me devastated. I witnessed aunts and uncles distancing themselves from each other due to the dispute over the family homestead. They lost the desire to spend time together because it was easier to avoid it all than deal with the friction. However, this led me to find my professional calling, helping others properly plan and prepare their finances for life’s uncertainties. No family should have to experience the emotional turmoil a lack of financial planning can bring.

I currently have my Series 7, 63, 65, 24 registrations, and I am Life, Health and Accident licensed. I've worked with Voya Financial Advisors, previously ING Financial Partners, since 2003. I am now honored to be a part of Cetera Wealth Partners because of the fabulous line up of investment options and planning tools for me and my clients, as well as the improvement in the client experience through the client portal.  Because we came to Cetera Wealth Partners as a group, I still get to work with the great people that I have come to know, to love and to consider teammates.   


Michael Halloran Photo

Michael Halloran

Investment Advisor Representative

P: 508-867-8400

Email: michael.halloran@ceterawealth.com


With several years of financial services experience and a passion for both investing and planning, I am committed to delivering sound advice that aligns with clients’ objectives. Using that blend of knowledge I take great pride in helping clients navigate their own personal journey towards financial independence. My previous roles have allowed me to hone in my skills for providing tailored solutions to meet diverse financial goals. Prior to joining Cetera, I worked as a Portfolio Analyst and Integration Manager with Mercer Global Advisors in Denver, CO where I worked as part of our Investment Strategy Group and supported other advisors with their most complex situations.

I strive to build long-lasting relationships by establishing trust and transparency, and believe in open communication, active listening and empowering clients to make informed decisions.

I graduated from The Carroll School of Management at Boston College with a dual concentration in both Finance and Marketing. Outside the office, I’m an avid sports fan and enjoy time spent outdoors- whether hiking, skiing or camping. My wife and I are huge foodies and are always looking to try new restaurants. We currently live in the West Hartford area with our Golden Retriever, Moose.

I hold my Series 7, and 66 securities registrations and have passed the CFA Level I exam.

Lesley Churchey Photo

Lesley Churchey

Executive Administrative Assistant

P: 508-867-8400

EMAIL:lesley.churchey@ceterawealth.com


For over eight years, I've served as Amy's right hand helping her communicate with and assist our clients in any way I can. Before joining the financial services industry, I spent 17 years working as a certified vet technician. While I'll be an animal lover for life, I was excited to bring my client relations experience and office management skills to a new environment.

When I'm not in the office helping our clients out, I enjoy spending time with my family. My husband, our two daughters and I currently reside in East Brookfield and enjoy taking our camper out to all of the great, local camping spots New England has to offer.




James Luukko Photo

James Luukko

Administrative Assistant

EMAIL:james.luukko@ceterawealth.com


For as long as I can remember, I’ve wanted to follow in my mother’s shoes.  I’ve always had a keen interest in learning more about investments, financial planning, and what it takes to be a successful advisor.  I’m excited to be a part of such a well-rounded team, and to see firsthand how my mother can positively impact her client’s financial outlook.  In my current role, I help with scheduling, meeting preparation and follow up. My goal is to learn in this environment, and one day become an advisor on the team here as well.

In the Fall, I will be going to Quinsigamond Community College as a part of the business transfer program with my goal being to transfer to the Isenberg School of Management at UMASS Amherst.  While I’m not here in the office, I also work alongside my uncle with his roofing company, and at other times can be found swimming or helping around our family home.




Goal-Based Financial
Planning Services

Offering Authentic Financial Planning

For Today, Tomorrow & Through Retirement

Taking a holistic approach to your wealth means we analyze and address your entire financial picture. Because like the pieces of a puzzle, small changes here may affect the way something fits over there. We want every piece of your big picture to work together as you prepare for and enter retirement.

Our Services Include

 

Retirement Planning

 
 

Investment Management

 
 

Insurance

 
 

Tax Planning Strategies

 
 

Estate Planning

 
 

Accumulation

 
 

Cash Flow Management

 



What Are Your Biggest Financial Concerns?


Schedule a Time To Discuss


Helping You Prepare For Retirement Tomorrow

As You Enjoy Life Today

Offering Ongoing Dedication To You and Your Goals


While we can offer you a financial plan on paper, the real key to pursuing financial confidence is ongoing communication, reevaluation and adjustment. Just as you experience changes in your career, marital status, living situation and income level, your financial picture will evolve as well. That’s why our founder, Amy, is committed to seeing you and your financial plan from its inception through to the passing of your legacy.

Our Planning Process Includes

Your financial concerns and questions are unique to you, meaning we tailor our offerings and interactions to help meet your specific needs. While below is an outline of what you can expect, we may adjust our process to better accommodate you and your family’s own circumstances.


Step 1

Discovery Meeting

As we meet virtually or in person, we’ll listen closely to your concerns and questions. Your advisor, Amy, will ask you important questions that can help determine whether or not our firm is the right fit for you. If we decide to move forward in working together, we can outline more specifically what you should expect next.

Step 2

Data Collection

If a holistic financial plan is needed, we’ll ask you to gather relevant financial documents that can help us get a better understanding of your personal financial picture. During this time we’ll dive deeper into your current needs as well as your short-term and long-term goals.

Step 3

Plan Creation

We'll work together to build a financial plan rough draft based on your current financial standings and the important goals, values and needs outlined in our previous meetings.

Step 4

Plan Implementation & Action

We’ll present to you an organized, bulleted list of the actionable steps to follow next. Acting as your accountability partner, we’ll walk you through what needs to be done in order to stay on track with your financial plan.

Step 5

Ongoing Review

We prefer to meet with you on a yearly basis, although this can vary based on your needs. Together we can discuss any recent changes to your finances and evaluate its effectiveness in regards to your current financial picture and future goals.



Ready To Get Started?

Schedule Your Complimentary Discovery Call






There’s No Net Worth Minimum

Because We’re Here To Help Those Who Need It

We want to make things simpler, and that means being upfront and honest about what we charge. Whether you’re looking to simply open an IRA or you’re interested in developing an entire financial plan, we have a price point designed to meet your needs.


Gold

Wealth Management & Financial Planning

Percentage Fee

Assets Under Management (AUM)

Fee Percentage
$25,000 - $100,000 1.50%
$100,000 - $250,000 1.25%
$250,000 - 1 Million  1.0%
1 Million - 2 Million
0.9%
2 Million - 3 Million
0.8%
3 Million - 4 Million
0.7%
4 Million - 5 Million
0.6%
5 Million - 8 Million
0.5%
8 Million - 10 Million
0.4%


Silver

Financial
Planning

$300 per hour*

Our silver plan is for those looking for a comprehensive financial plan to address their goals and concerns, but are looking to house their assets elsewhere or take a DIY approach to their portfolio.  



Bronze

Transactional Relationship

We offer a selection of products and services (such as annuities, insurance & mutual funds) for those who may be just starting out saving for their future.

$100/hr, minimum 6 month term

For those who are looking for basic advice on an ongoing basis, we offer AdvicePay, which is a monthly subscription for help around your financial questions.  


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*Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Advisor Networks LLC Advisory Services Agreement and disclosure brochure as provided. The output of any financial tool or calculator without such an agreement
should be considered to be a part of our brokerage services and not advisory services. Fees Disclosure: Additional compensation may apply in the form of commissions for purchase of individual stocks, bonds and through service fees (12b-1) for mutual fund transactions. Fees,
charges and expenses are detailed in the Cetera Advisor Networks LLC's ADV Part 2A.


What Services Are You Interested In?




What Are Your Biggest Financial Goals?

Let’s See How We Can Help


You Belong At the Forefront of Your Finances

Together We’ll Get You There

Whether you're nearing retirement, saving for college or simply looking to get your finances on track, we offer a variety of services to help you plan for and work toward your biggest financial goals. Begin today by giving us a call or filling out the form below.