Joanne M. Daly, CDFA®
Senior Vice President, Wealth Management,
Financial Advisor,
Family Wealth Advisor,
Certified Divorce Financial Analyst,
Workplace Advisor - Equity Compensation
Direct:
(401) 863-8467(401) 863-8467
My Mission Statement
I help my clients gain greater control of their financial life and help them plan for a secure and confident financial future.
About Us
Joanne Daly, CDFA® is passionate about helping her clients gain greater control of their financial life and helping them plan for a secure and confident financial future. Many of her clients are women who have become responsible for their financial future after experiencing divorce, death of a loved one, or inheriting significant wealth. Joanne helps her clients become financially empowered and make smart decisions about their money. Essentially, Joanne acts as their personal CFO, working in collaboration with their attorneys and CPAs to create a holistic wealth plan, develop a financial lifestyle budget and provide customized strategies to help clients enhance and preserve their wealth.
Joanne is a Certified Divorce Financial Analyst®, she has over 25 years of combined CPA (currently not practicing) and wealth planning experience with a M.S. in Taxation from Bryant University. She is a past President of the American Society of Women Accountants (RI Chapter), past Chair of the Financial Literacy and Planning committee for the Rhode Island Society of CPAs, and current member of the South County Health Foundation (Hospital) board, as well as past investment committee member.
In addition, Joanne is a frequent guest speaker on financial empowerment for women and has presented at Bryant University Women Summit, AWE Leading Women, and appeared on Patricia Raskin’s Positive Living Radio Show.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Joanne is a Certified Divorce Financial Analyst®, she has over 25 years of combined CPA (currently not practicing) and wealth planning experience with a M.S. in Taxation from Bryant University. She is a past President of the American Society of Women Accountants (RI Chapter), past Chair of the Financial Literacy and Planning committee for the Rhode Island Society of CPAs, and current member of the South County Health Foundation (Hospital) board, as well as past investment committee member.
In addition, Joanne is a frequent guest speaker on financial empowerment for women and has presented at Bryant University Women Summit, AWE Leading Women, and appeared on Patricia Raskin’s Positive Living Radio Show.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Securities Agent: NY, MA, WA, NH, TX, NM, NJ, ME, CO, CA, VT, OR, GA, AZ, VA, TN, OK, CT, MD, HI, AL, DC, NC, FL, RI, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1510426
NMLS#: 1510426
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Associations, Experience, and Education
Below you will find an overview of my current associations, as well as my prior experiences and education.
Education
B.S Business Administration, Bryant University
Masters in Science of Taxation, Bryant University
Series 63, 65 and 7 Licensed
Family Wealth Advisor
Certified Divorce Financial Analyst
Masters in Science of Taxation, Bryant University
Series 63, 65 and 7 Licensed
Family Wealth Advisor
Certified Divorce Financial Analyst
Experience
Morgan Stanley - Senior Vice President and Financial Advisor
UBS Financial Services Inc. - First Vice President
Smith Barney - Financial Advisor
Ernst and Young, CPAs - Tax Manager
Piccerelli, Gilstein & Co, LLC, CPAs - Tax Manager
RI Zoological Society - Director of Development and Planned Giving
United Way - Director of Planned Giving
UBS Financial Services Inc. - First Vice President
Smith Barney - Financial Advisor
Ernst and Young, CPAs - Tax Manager
Piccerelli, Gilstein & Co, LLC, CPAs - Tax Manager
RI Zoological Society - Director of Development and Planned Giving
United Way - Director of Planned Giving
Associations
United Way of RI Board Member, Women's United Executive and Membership Committee Member
Girl Scouts Southeastern New England, Board Member
Women's Fund of Rhode Island, Past Board Member
RI Society of CPAs, Past Chair of the Financial Planning
and Literacy Committee, Member Women's Leadership
Council
South County Health (Hospital) Foundation Board Member,
Business Partners Chair and past Investment Committee
Member
Christ the King Parish, Finance Committee Member
Estate Planning Council of RI, Member
GFWC-Women's Club of South County, Past President
and Member
Leadership Rhode Island graduate and Past Women Leadership Committee Member
RI Foundation Advisory Council, Past Member
Partnership in Philanthropic Planning of RI, Past Board
Member
Girl Scouts Southeastern New England, Board Member
Women's Fund of Rhode Island, Past Board Member
RI Society of CPAs, Past Chair of the Financial Planning
and Literacy Committee, Member Women's Leadership
Council
South County Health (Hospital) Foundation Board Member,
Business Partners Chair and past Investment Committee
Member
Christ the King Parish, Finance Committee Member
Estate Planning Council of RI, Member
GFWC-Women's Club of South County, Past President
and Member
Leadership Rhode Island graduate and Past Women Leadership Committee Member
RI Foundation Advisory Council, Past Member
Partnership in Philanthropic Planning of RI, Past Board
Member
Awards & Recognitions
2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
2017-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2017-2025)
These awards were determined through an evaluation process conducted by Five-Star Professional, based on objective criteria, during the following periods:
2017 Award - 03/16/16 - 11/01/16
2018 Award - 03/17/17 - 10/04/17
2019 Award - 03/20/18 - 10/04/18
2020 Award - 03/01/19 - 10/04/19
2021 Award - 03/23/20 - 10/02/20
2022 Award - 03/29/21 - 10/01/21
2023 Award - 03/28/22 - 10/01/22
2024 Award - 02/13/23 - 08/31/23
2025 Award - 02/13/24 - 08/30/24
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
2017-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2017-2025)
These awards were determined through an evaluation process conducted by Five-Star Professional, based on objective criteria, during the following periods:
2017 Award - 03/16/16 - 11/01/16
2018 Award - 03/17/17 - 10/04/17
2019 Award - 03/20/18 - 10/04/18
2020 Award - 03/01/19 - 10/04/19
2021 Award - 03/23/20 - 10/02/20
2022 Award - 03/29/21 - 10/01/21
2023 Award - 03/28/22 - 10/01/22
2024 Award - 02/13/23 - 08/31/23
2025 Award - 02/13/24 - 08/30/24
Women in Transition
The end of a marriage is a tumultuous time. However, for women, divorce and widowhood can raise a unique set of challenges. Women take on many roles and often navigate complex lives. A solid financial foundation can help women manage their financial future and simplify their financial life. The articles below can be used as a resource to help you through this often difficult transition.
Taking Control of Your Finances After Divorce or Death of A Spouse
Divorce or the death of a spouse can turn the best laid financial plans upside down. An income stream dries up; assets may be divided; in short, where life had a feeling of certainty, you may now be standing on shifting ground.
Taking Control of Your Finances After Divorce or Death of A Spouse
Money and Divorce
Divorce can be a lengthy process fraught with both financial and emotional strain as you make important decisions with significant long-term consequences under stressful conditions. But having the right advisors can help you make it through the process and avoid these six common mistakes:
Six Financial Mistakes to Avoid
Planning For Your Financial Future
It’s natural to feel overwhelmed by all the life events we need to prepare for. But women are tough, and we’re smart, and we’re planners. Feeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
Women and Wealth: Planning for Your Financial Future
Planning For a New Beginning
Dealing with the impact of divorce on your financial life can make an emotionally difficult time even more challenging. Although divorce is seldom easy, you can prepare for it- and being prepared will help you feel more in control and better equipped to make informed, confident decisions about your financial future.
Divorce: Planning For a New Beginning
Life After Divorce
Divorce is almost never easy. The more you know and the better you understand your options, the more prepared you will be to make sound decisions. This will help you take control of your financial life and prepare the way for greater confidence and flexibility in the future.
Life After Divorce: Planning Your New Future
Wealth Planning for Women
Women face unique set of challenges at every stage of life. when it comes to investing, they may need to factor in pay gaps, career breaks, longer lifespans, and higher health costs in retirement. With that in mind, our mission is to guide women through these challenges as they strive to become more informed and influential investors.
Wealth Planning for Women at Every Stage of LifeThe Second Opinion
Joanne has created a complimentary Second Opinion Service for friends, family members, or associates of her valued clients. She is pleased to offer you this opportunity to start a conversation.
Working with a Wealth Manager
As a client of Joanne, you may benefit from a disciplined, experienced advisor that has a clear and comprehensive vision of wealth management.
Joanne's Consultative Process
Joanne's approach with each new client is a collaborative process. This allows her to have an open dialogue to learn about your values and goals, while working with you to create a plan to help achieve them.
Expectations
Your first meeting will be a discovery meeting where Joanne will gain insight and understanding of your values and goals.
Joanne then conducts a comprehensive analysis of your current financial picture.
She will then have a second meeting to discuss your current situation and if needed, Joanne will suggest ways she can help get you on track with your needs.
Joanne then conducts a comprehensive analysis of your current financial picture.
She will then have a second meeting to discuss your current situation and if needed, Joanne will suggest ways she can help get you on track with your needs.
Monthly Outlooks & Updates
I strive to simplify complex financial ideas into a digestible format so that my clients can truly understand the work which goes into planning for their financial future and livelihood. I am a firm believer in providing my clients with as many resources as possible so that they may stay informed on the latest market trends, analyses, and outlooks. The resources below provide in-depth analysis on current market events and finance topics that are affecting the business world today.
Women & Wealth: Planning for Your Financial Future
Armed with education and a plan, women can feel more confident about their financial goals and how they’ll achieve them.
View Here
Understanding Your Retirement Plan Options When You Leave a Job
You have several choices for what to do with your qualified retirement plan when you leave a job. Deciding among them is an important step in managing your retirement savings over time.
View Here
What's Your Relationship with Wealth? For Many, It's Complicated.
If they are going to be successful, family conversations about wealth often require us to engage in deep, introspective analysis to understand our own personal values and opinions, as well as what drives and motivates us.
View Here
A Simple Six-Step Retirement Checkup
When market volatility arises, checking in on your retirement plan may make a lot of sense. Use this article to see if you are on track.
View Here
Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
View Here
Taking Control of Your Finances After Divorce or Death of a Spouse
Divorce or the death of a spouse can turn the best laid financial plans upside down. An income stream dries up; assets may be divided; in short, where life had a feeling of certainty, you may now be standing on shifting ground.
Read Here
Thinking About Your Legacy? You May Need a Trust
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Read Here
Global Investment Committee Weekly Research Report
The Global Investment Committee's Weekly Report provides an in depth look at markets, asset class performance and fixed income on a weekly basis.
GIC Weekly
Global Investment Committee on the Markets Monthly Report
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below:
GIC on the Markets
September GIC Monthly Perspectives Call
Chief Investment Officer Mike Wilson recently provided his perspective on the current market conditions and outlook.
Listen HereLocation
1 Financial Plaza
19th Fl
Providence, RI 02903
US
Direct:
(401) 863-8467(401) 863-8467
Fax:
(401) 429-6324(401) 429-6324
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Joanne M. Daly today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
