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Joe Allaria

Retirement, Investing, Insurance
“CERTIFIED FINANCIAL PLANNER™ professional providing local and virtual financial planning and wealth management services to clients all over the country. We serve our clients by combining the efficiency of technology with the care of a dedicated advisor. ”

CarsonAllaria Wealth Management

Job Title:

Partner | Wealth Advisor


Joe is a CERTIFIED FINANCIAL PLANNER™ professional who works to help clients plan to reach financial indpendence. He and his team build long-lasting relationships with their clients and collaborate with them and the other financial professionals they work with to help create a cohesive financial plan.

Joe has been featured in The Wall Street Journal, on Yahoo Finance, CNBC.com, USAToday.com, Nasdaq.com, Christian Science Monitor and NerdWallet. Joe has a Masters of Business Administration from Southern Illinois University Edwardsville and a Bachelor’s Degree in Marketing from Southern Illinois University Carbondale and a . He holds a Life & Health Insurance License and a Series 65 Securities License.

Joe works primarily with individuals and families at or nearing retirement, and highly successful "up-and-comers" in the medical, legal, and sales industries. 

Joe was born and raised in Edwardsville, Illinois and lives with his wife, Jacki and son Brooks. Joe, Jacki, and Brooks are members of Enjoy Church and Matthew Allaria Ministries (led by Joe’s brother, Matthew). His family enjoys travel, golf, playing music and spending time with family and friends.


BS, Marketing, Southern Illinois University Carbondale
MBA, Southern Illinois University Edwardsville

Assets Under Management:

$150 million

Fee Structure:


CRD Number:


Insurance License:



Investing involves the risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results and may have been impacted by events and economic conditions that will not prevail in the future. Therefore, it should not be assumed that future performance of any specific security, investment product or investment strategy referenced in the Article, either directly or indirectly, will be profitable or equal to the corresponding indicated performance level(s). No portion of any question or article shall be construed as a solicitation to buy or sell any specific security or investment product or to engage in any particular investment strategy. In addition, all articles shall not constitute  the provision of personalized investment, tax or legal advice, and investors shall not assume any article serves as a substitute for personalized individual advice. Information contained in all articles may have been derived from third-party sources that CarsonAllaria Wealth Management believes to be reliable; however CarsonAllaria Wealth Management does not control such information and does not guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Links or references to third-party websites are provided as a convenience and do not constitute an endorsement by CarsonAllaria Wealth Management, and the Firm is not responsible for the content of any such websites.  Any reference to a market index is included for illustrative purposes only, as it is not possible to directly invest in an index. Indices are unmanaged, hypothetical vehicles that serve as market indicators and do not account for the deduction of management fees or transaction costs generally associated with investable products, which otherwise have the effect of reducing the performance of an actual investment portfolio.

All Articles
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November 2018
    Investing, Asset Allocation
May 2018
    Lifestage Based Planning, Senior Care
June 2018
    Investing, Asset Allocation, Mutual Funds
February 2018
    Investing, Asset Allocation, Mutual Funds, Stocks
July 2018
    Retirement Plans, Retirement Savings, Retirement, Retirement Living

All Answers
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    Mutual Funds
What is a mutual fund's NAV?
90% of people found this answer helpful

The explanation provided here by Investopedia is well-stated. However, in more simple terms, the NAV is simply the price per share of the fund. Similarly to how stocks have a stock price, mutual funds have an NAV (net asset value). So, if you want to purchase one share of a mutual fund, you will purchase at the NAV. One difference between a mutual fund NAV and stock price is that the NAV will not change throughout the day like a stock price will. The NAV is updated at the end of each trading day. So, when you purchase a mutual fund at a listed NAV price, that listed price is actually the price as of yesterday's close. Therefore, your purchase will be based on the updated NAV at the end of the CURRENT trading day. Because of this, you may not know the exact NAV when you buy or sell shares.

It's important to know this because, for example, if you want to buy $10,000 worth of mutual fund ABCDX, and the NAV as of yesterday's close was $100, that would mean you purchase 100 shares. However, if the NAV increases drastically on the day you made your purchase, you would actually be purchasing more than the 10,000 you originally planned. For this reason, you can also buy or sell in "$" instead of "shares." This will help prevent that issue.

I hope this additional information was helpful for you, and good luck!

Joe Allaria, CFP®

July 2016
What is indexed universal life insurance?
90% of people found this answer helpful
July 2016
    Investing, Mutual Funds
What are the advantages and disadvantages of mutual funds?
90% of people found this answer helpful
August 2016
    Retirement, Social Security, End of Life
Is it really possible to claim my SS and my deceased husband's SS?
88% of people found this answer helpful
April 2016
    Mutual Funds, Stocks
Why would a person choose a mutual fund over an individual stock?
87% of people found this answer helpful
August 2016