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Joseph Carbone, Jr.

Personal Finance, Retirement, Investing
“I love helping people whether it’s during my day job as a CERTIFIED FINANCIAL PLANNER™ professional, helping a friend pick out a turntable, or helping my daughter with her Common Core math homework — on second thought, erase that last one. ”

Focus Planning Group

Job Title:

Founder and Wealth Advisor


Joseph Carbone, Jr. is a wealth advisor and managing partner of Focus Planning Group with over 18 years of experience in the wealth management industry. He focuses on providing wealth management solutions to individuals, families, and small business owners. Joseph co-founded Focus Planning Group in 2002. As a firm, Joseph and his colleagues have over 50 years of combined experience. Because of this, they have the knowledge to help their clients organize and achieve their financial goals. Believing in time-honored values and service, they use a consultative and educational process using behavioral finance with 21st Century cutting edge technology to customize a strategy that fits each client’s unique situation.

Joseph holds a bachelor’s degree in finance from Dowling College and obtained the Certified Financial Planner™, Accredited Investment Fiduciary®, and Accredited Asset Management Specialist℠ Designations. Previously, Joseph spent 7 years with CBIZ Wealth Management/Mariner Wealth Advisors as a wealth management associate. He also was a financial advisor with JP Morgan Chase and the Guardian Life Insurance Company. Currently, Joseph is regularly featured in top publications such as Forbes, U.S News, Yahoo Finance, Money Magazine, The Huffington Post, plus many more. Click here to view his Media Page.

Joseph resides in Bayport, NY with his wife Michelle, his daughter Juliette, and their Welsh terrier Sophie. He and his daughter Juliette love all things Star Wars, and their favorite character is Ahsoka Tano. He and his wife Michelle especially enjoy furniture shopping at ABC Home Store in New York City. He enjoys listening to music, live concerts, audiophile stereo equipment, and is an avid baseball fan. If you speak with Joe long enough he will tell you, nothing sounds better than playing a blues vinyl record on tube stereo equipment, and nothing makes him happier than finding a new great pizza place. The best pizza he has ever eaten was Da Michele’s in Naples, Italy.


BBA, Finance, Dowling College

Assets Under Management:

$10 million

CRD Number:



Focus Planning Group, LLC is a New York registered investment advisor and in other jurisdictions where exempted.

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    Mutual Funds
Can I use my mutual funds as a savings account?
61% of people found this answer helpful

Hello and great questions.  The answer is yes you can certainly buy low cost not load mutual funds from lets say Vanguard, and they funds will have liquidity in basically one trading day.  There will be no up front or back end sales charge on your money.  The question I would really concentrate on however is how much risk are you willing take?  What if there is a market correction, are you comfortable with your $75,000 only being worth $70,000.  I recommend sitting down with a Certified Financial Planner and complete a good risk tolerance assessement to determine and understand what you amount of risk you are willing to accept.  It is the age old of risk vs. reward.

October 2017
How can I invest in gold?
54% of people found this answer helpful
August 2016
    Mutual Funds
What is the minimum amount of money that I can invest in a mutual fund?
54% of people found this answer helpful
August 2016
Are all bank accounts insured by the FDIC?
45% of people found this answer helpful
August 2016
How can I invest my money and get a steady 8-12% return?
40% of people found this answer helpful
August 2016