Joyce Smith Cole, CFP
President and Founder
Joyce's talent for client communication, managing finances, and ethics (putting the clients first) has informed her years in the practice and earned her the fellowship and stature as an elite adviser in the financial services industry. The family firm she created in 1996 serves clients from all walks of life- from the high net worth senior citizen planning for the transfer of their wealth to their heirs to the aspiring young professional saving for their first house and starting a family. She can communicate clearly and understandably to those interested in sharing her years of experience in managing finances. She often finds herself discussing and coaching clients on lifestyle issues and work issues as they affect the client's financial well-being in the present and future.
She earned her designations as a Certified Financial PlannerTM and a licensed NAPFA member in 1996. A reader, a thinker, and an analyst, Joyce's specialty is securities portfolio allocation, taxation and cash flow management. In addition to managing JCFA and serving her financial planning clients, Joyce has lectured and taught pro bono and honoraria for many organizations on financial literacy. Her efforts and advocacy for many years have promoted socially conscious investing in the industry.
Membership: FPA (Financial Planning, Association), FPA-NENY (Financial Planning Association of Northeastern New York), NAPFATM (National Association for Personal Financial Advisors). Joyce holds the Certified Financial Planner(CFP) designation.
With experience as a securities broker and employee benefits consultant at Lincoln Investment Planning and Lincoln Benefits Group, and a real estate agent at Helmsley-Greenfield, Inc. in Philadelphia, she has built a strong network of professionals with varying specialties.
|My grandfather once told me that there were two kinds of people: those who do the work and those who take the credit. |
He told me to try to be in the first group; there was much less competition.
- Indira Gandhi, World Leader
This enables her to access these contacts on behalf of her clients when they have problems to solve. Joyce considers herself the financial liaison (or quarterback) for her clients. She likes to be a leader in any endeavor she undertakes always teaching, mentoring, and coaching to help others to strive for their best. Her academic and early career training in market research has made her a critical thinker, reader and experienced researcher and analyst of trends and events that affect her clients' investment portfolios.
She has been active in planning and zoning issues in both Philadelphia and the Adirondack Park, and also has been an early and ardent advocate of environmental issues, recycling and animal rights programs. In her personal life, Joyce is a parent of three successful grown children and grandmother of eight grandchildren. She pursues an active equestrian life and works with her horses using the Parelli method.
Priscilla Cole Gilbert
Vice-President, Investment Adviser Representative
Priscilla, Joyce's daughter, joined JCFA after many years of preparation and with a strong background in financial services. As the new Vice-President of JCFA, Priscilla has extensive experience helping individuals to achieve their financial goals both as a Financial Consultant in the private client group at Merrill Lynch and as the Assistant Vice President for Development at Norwich University where she helped alumni with charitable annuities, trusts, and estates.
Priscilla is a graduate of Boston College where she studied sociology with a focus on corporate social responsibility. While a student, she also served as a research assistant for Trillium Asset Management profiling corporations for their social performance. She carried her interest in social investing and philanthropy to Merrill Lynch in Seattle and later her work at Norwich University.
At Norwich, Priscilla continued the financial coaching she began at Merrill Lynch, helping families realize their charitable intent while implementing personal retirement and estate plans. These efforts resulted in $17 million in deferred commitments to Norwich. Priscilla was responsible for many aspects of the development program including planned giving, major gifts, class relations and annual giving, restricted funds, donor relations and database and gift management operations. Priscilla also served as the Assistant Secretary to the Board of Trustees and on a task force established to evaluate the challenges facing Norwich during the economic crisis of 2008. Priscilla was recognized for her achievements at Norwich, and was made an honorary member of the Class of 1959.
Priscilla is a candidate for the Certified Financial Planner (CFP) designation, and is provisional member of NAPFA (National Association for Personal Financial Advisors). She participates actively in the NAPFA study group of northern VT.
Priscilla lives in Vermont with her two young children and husband. Priscilla enjoys spending time with her family and helping her children to engage in the world around them. In her free time she is a runner, a skier – both cross country and downhill, and a mountain biker. Priscilla is involved in her community as a Board member of professional, local organizations as well as her church. She is also a member of Montpelier Alive and Vermont Businesses for Social Responsibility.
Jennifer Church, BA,
Supervisor, Portfolio Administrative Services.
Our corporate administrator, coordinator, book-keeper, portfolio reconciliation specialist keeps an eye on the details. This brilliant mind pulls together the day-to-day securities operations. Her background in managing a trading desk for a large institutional investment manager is used in her job with JCFA .
Jenny stays up-to-date on corporate stock and bond related actions. She sets up each new account in our Advent portfolio management system, tracks transfers, and makes sure our record keeping of every security transaction from interest and dividend postings to stock splits, from security name changes and spin offs to fixed income factor postings are on track and accurate. Her organizational skills, attention to detail and ready sense of humor keeps the advisors on track and in compliance.
Her experience aside from running the trading desk is as an LA cop, an Adirondack mountain innkeeper, and now as a search and rescue EMT in the California mountain regions. She has two sons.
Anne Cole Scuderi, PhD.
Anne, Joyce's daughter, serves as Special Project Administrator at JCFA, designing publications and communications materials. From time to time she assists in communicating with clients about setting up accounts, updating account records as needed, and staying touch with clients by providing various communications activities. Anne graduated from Cornell University in 1994 and went on to obtain her Ph.D. in Genetics studying at Dartmouth and the University of Utah. She has worked in the Education Department at the University of Utah, developing web-based science curricula. Anne has also started her own consulting company, 5S Scientific Consulting, LLC, from which she provides scientific expertise to attorneys in the corporate litigation field. Residing in Syracuse, NY with her husband and three young children, Anne enjoys marathon running, biking, skiing and anything related to design. Some of her work is displayed on www.etsy.com.
Curtis G Borchardt, CFP (Retired)
Curt- a retired Certified Financial Planner - currently does pro bono work teaching economics. He is a retired Naval officer with time on the Joint Chiefs of Staff, and he has taught at the university level. Curt assists and advises JCFA with technology services.
CFP® ( Certified Financial Planner):
The mission of Certified Financial Planner Board of Standards, Inc. (CFP Board) is to benefit the public by granting the CFP® certification and upholding it as the recognized standard of excellence for personal financial planning. www.CFP.net
NAPFA (National Association for Personal Financial Advisors)
selects as members those financial advisors who meet the highest standards for professional competency, comprehensive financial planning and Fee-Only compensation. www.napfa.org