This entity has not been resolved onto another DFX graph by a shared identifier. A name match elsewhere would be a candidate, never an identity, and none is recorded.

Current firm

PEARL PLANNING

Current firm class

independent wealth managerderived

Book size

not publicno per-advisor AUM is published by the SEC, FINRA or IAPD, and DFX estimates none

Industry start

Jul 1, 1998earliest registration or exam on IAPD

Years in industry

28derivedfrom the industry start date

Years at current firm

1derivedfrom the current registration's begin date

Prior firms

3

Current registrations

1

Registered states

1

Designations

Certified Financial Planner

Exams

S63|S66

First exam

Dec 31, 2003

First registration

Mar 2, 2012

Dual registered

no

Other names

MELISSA NICOLE WOOD|MELISSA NICOLE WOOD|MELISSA W JOY

IAPD individual key

3233879

• Occurred

  Aug 7, 2025
  Advisor changed firm

  Melissa Nicole Joy left Stephens Consulting, Llc for Pearl Planning (registered 2025-07-16)

  Form ADVobserved 5 days ago

Graph

RIA / Wealth Management

Canonical id

dfx:ria:7cf35b6b-ab09-ecf3-0378-6c1e5183bb9d

First observed

Mar 2, 2012

Last observed

Sep 14, 2026 6 days ago

Source families

Federal regulator filings

1 registered feed stand behind this record; each fact above carries its own dates and, where the publisher serves one, its document.

Resolution

Identity across graphs by shared identifier (CRD, CIK, EIN, ADV fund id, individual CRD) or citation; a name match is shown as a candidate and never merged.