Joy N. Dow
Wealth Management Advisor|CFP®, ChFC®
Professional
From a young age, Joy has always been passionate about education and planning. Joining Northwestern Mutual in 2016 has been one of her biggest blessings. Since she started with the firm she has consistently been ranked in the top 10% of advisors. She has been a speaker to Northwestern's new advisor academy (Fastrack), Northwestern's Women's Summit, and offices all over the country.
Additionally, she is a member of the Million Dollar Round Table, MDRT is the premiere association of financial professionals. MDRT status is granted for one year and members must apply each year to continue their affiliation with MDRT. Founded in 1927, MDRT provides its members with resources to improve their technical knowledge, sales and client service while maintaining a culture of high ethical standards. She attributes her professional growth to continual learning, effectively listening and communicating, and recommending the right strategies for her clients at the appropriate time.
Licenses
- Series 6 & 63 - Investment Company and Variable Contracts Products Representative
- Series 7 - General Securities Representative
Certifications and Designations
- CERTIFIED FINANCIAL PLANNER™ professionals have completed
extensive training and experience requirements and are held to rigorous
ethical standards. From budgeting, to planning for retirement, to saving for
education, to managing your insurance coverage, they understand the
complexities of the changing financial climate and will make recommendations in your best interest. - ChFC® – Chartered Financial Consultant® program provides the most
current and comprehensive financial planning education by combining the key financial planning fundamentals, with practical applications to put those theories to work. ChFC® designees are trained to masterfully handle a wide variety of modern financial topics
Years of Experience
Representing Northwestern Mutual since 2016.
Personal
Joy is a native of Las Cruces, New Mexico, where she attended The University of New Mexico and abroad at the University of Leeds, which she completed magna cum laude. Her time in England and Europe instilled a passion in her to travel and explore the world.
However, she started to recognize the overlooked, but important financial issues families and businesses faced. Her degree and passion for education are translated to others in the form of financial education which transcends people’s lives and their families. She has the spirit of her father, a business owner, and her frugal mother who worked as a school counselor inside of her.
Joy is extremely passionate about financial planning, as she has been personally impacted by it. When her father passed away in 2012, the important financial planning he had done changed the course of her life. Her desire to impact others in this way and then some, is what truly drives her recommendations to clients.
Joy is a resident of San Diego, California. When she not working, she loves to spend most of her time traveling. She has been to over 15 countries in the world, and numerous states across the US. When she is at home in San Diego she also loves spending time outdoors with her loved ones hiking, sunbathing at the beach, playing pickleball, and skiing.
Lending a hand in my community.
As part of Northwestern Mutual, I'm proud to help accelerate the search for better childhood cancer treatments while supporting families undergoing treatment, and survivors from late effects. Here are some of the organizations we partner with:
Alex's Lemonade Stand Foundation for Childhood Cancer (ALSF)
ALSF funds cancer research, raises awareness, and supports the families of children with cancer. Since 2012, Northwestern Mutual, its employees, and financial professionals like me have donated more than $20 million to support ALSF and fund over 400,000 research hours.
Beads of Courage
Beads of Courage is an art-in-medicine program that helps kids with cancer tell their unique treatment story through colorful beads that are symbols of their courage.
Here are my areas of expertise
Financial Planning
Retirement Planning & Income Strategies
Insurance Protection Strategies
Life Insurance Strategies
Education Planning & Funding
Disability Planning
Multigenerational Planning
Estate Planning
How Northwestern Mutual helps you live the life you want.
When people feel better about their money, good things happen—they become more confident and feel more secure. For more than 160 years, Northwestern Mutual has helped people achieve the financial flexibility they need to live more and worry less.
Being a mutual company means Northwestern Mutual reports to its clients, not Wall Street. They don't believe in chasing fads or taking undue risk for short-term gains. Instead, they take a long-term approach—both in the way we help people plan to reach their goals, and in the way they do business. This has served their clients (and mine) well through all kinds of economic ups and downs, including wars, recessions, even the recent pandemic.
It's why I'm happy to be part of a company that's in it for the long-haul and prioritizes clients over profit.
