About Us

Joanne Daly, CDFA®, is passionate about helping my clients gain greater control of their financial life and helping them plan for a secure and comfortable financial future. Many of my clients are women who have become responsible for their financial future after experiencing divorce, becoming a widow or inheriting significant wealth. I help my clients become financially empowered and make smart decisions about their money. Essentially, I act 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. I am a Certified Divorce Financial Analyst®.I have over 20 years of combined CPA (currently not practicing) and wealth planning experience. I have a M. S. in Taxation from Bryant University. I am 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 Hospital development committee (past investment committee). In addition, I am a frequent guest speaker on financial empowerment for women and have presented at Bryant University Women Summit, AWE Leading Women and appeared on Patricia Raskin 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.
Services Include
  • Financial Planning1
  • Divorce Financial Analysis2
  • Estate Planning Strategies3
  • Wealth Management4
  • Planning for Individuals with Special Needs5
  • Philanthropic Services
  • 401(k) Rollovers
  • Business Succession Planning6
  • Corporate Retirement Plans7
  • Endowments and Foundations8
  • Professional Portfolio Management9
  • Retirement Planning10
  • Sustainable Investing11
  • Wealth Consulting
Securities Agent: TX, RI, VA, TN, OH, NY, NH, MA, FL, CT, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1510426
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Awards

  • Past Recipient of the YWCA Women of Achievement Award
  • Past Speaker at Bryant University Women Summit and South County Hospital Women's Wellness Weekend
  • General Federation of Women's Clubs (GFWC)-L.E.A.D. Graduate
  • Past Recipient of Domestic Violence Resource Center of South County Leadership and Ambassador Award, Wild Women of South County

Education

  • B.S Business Administration, Bryant University
  • Masters in Science of Taxation, Bryant University
  • Series 63, 65 and 7 Licensed

Associations

  • Women's Fund of Rhode Island, board member
  • RI Society of CPAs, Past Chair of the Financial Planning and Literacy Committee, Member Women's Leadership Council
  • South County Hospital Professional Advisory Group, Circle of Care Cabinet and past Investment Committee member
  • Partnership in Philanthropic Planning of RI, board member
  • Estate Planning Council of RI, member
  • GFWC-Women's Club of South County , Past President and membership committee
  • United Way of RI Women's Leadership Council member and Alexis de Tocqueville Society member
  • Leadership Rhode Island graduate and member
  • RI Foundation Advisory Council, past member
  • American Heart Association, Circle of Red member
  • Christ the King Parish, Finance Committee

Experience

Morgan Stanley

First Vice President

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

    Location

    1 Financial Plaza
    19th Fl
    Providence, RI 02903
    US
    Direct:
    (401) 863-8467(401) 863-8467
    Toll-Free:
    (800) 488-1241(800) 488-1241
    Fax:
    (401) 429-6324(401) 429-6324

    Investment and Market Perspectives

    On the Markets

    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
    The Simple Six-Step Retirement Checkup

    The Simple Six-Step Retirement Checkup

    Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

    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
    Five Smart Strategies to Use a Bonus or Raise

    Five Smart Strategies to Use a Bonus or Raise

    Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

    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
    Financial Transition: A Guide for Women

    Financial Transition: A Guide for Women

    Here's how to take control of your finances if a death or divorce leaves you holding the reins.

    Business Planning

    Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
    • Succession Planning
    • Business Planning
    • Retirement Plan Sponsors
    • Qualified Retirement Plans
    • Corporate Pension Funds
    6 Keys to Building a Startup

    6 Keys to Building a Startup

    Entrepreneurs share ideas and learnings from the experience of starting a company.

    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
    A New Roadmap for Mission Alignment

    A New Roadmap for Mission Alignment

    Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

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    See all of your financial data in one location, regardless of where your accounts are held, directly on Morgan Stanley Online and the Morgan Stanley Mobile App.
    Learn more about A Comprehensive View of Your Financial Life
    Consolidate Your Cash at a Competitive Rate

    Consolidate Your Cash at a Competitive Rate

    2.30% APY with Preferred Savings for New Money deposited through your eligible Morgan Stanley brokerage account. Contact me to learn more or click here. Terms apply.
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    Morgan Stanley and Justin Rose: A Winning Team

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    Your Financial World. On the Go.

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    With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
    Learn more about Your Financial World. On the Go.
    Reserved | Living & Giving

    Reserved | Living & Giving

    Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
    Learn more about Reserved | Living & Giving
    Sign Up for eDelivery

    Sign Up for eDelivery

    With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
    Learn more about Sign Up for eDelivery
    Access Morgan Stanley Online

    Access Morgan Stanley Online

    Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
    Learn more about Access Morgan Stanley Online
    Meet Premier Cash Management

    Meet Premier Cash Management

    Discover a more rewarding way to manage your everyday finances. Access benefits, savings, and enhanced services from your Morgan Stanley Financial Advisor.
    Learn more about Meet Premier Cash Management
    Ready to start a conversation? Contact Joanne M. Daly, CDFA ® today.
    Market Information Delayed 20 Minutes
    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.

    2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

    5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

    6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

    7Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

    8Morgan 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.

    9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable 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.

    10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

    11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.

    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.

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    The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable 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”) 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.

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