Cathy Curtis, CFP®, sits down with Melissa Joy, CFP®, founder of Pearl Planning, to talk about grit, growth, and the path to independence. After two decades in corporate finance, Melissa turned a career low point into the launch of her own firm—and a thriving philosophy: “No grit, no pearl.” She opens up about scaling her business with smart tech, modern marketing, and a clear vision for the next generation of clients. From leadership and team building to the power of women’s voices in finance and her latest project, The Messy Money Middle, this episode is a must-listen for advisors redefining success on their own terms.

[04:59] The Tipping Point to Independence

[11:42] The Importance of Technology

[17:34] Hiring and Managing Challenges

[19:54] Implementing EOS for Success

[25:39] Investment Philosophy and Strategy

[35:02] Client Demographics and Niche Marketing

[49:00] Balancing Work and Personal Life

[53:04] Challenges for Women in Wealth Management