Carmetta (Car-mEE-tah) Joyner is an Associate Advisor at North Berkeley Wealth. She works in coordination with Lead Advisors to provide clients with comprehensive financial planning and investment management. Carmetta joined the financial advisory profession to be a resource for underserved communities and to empower people to take control of their financial journeys.

Before joining North Berkeley, Carmetta served as an Intelligence Analyst with the US Army. As an analyst, she learned the importance of managing client relationships and big-picture thinking. Most recently, Carmetta earned her M.S. in Finance and helped found Golden Gate University’s first Finance Club.

Carmetta is from Atlanta and moved to the Bay Area to attend Golden Gate University. She lives in San Francisco, where she enjoys running to admire the scenic views from atop the city’s abundant hills. As one of eight children, Carmetta is devoted to her family and spends a significant portion of her free time video chatting with her seven nieces and nephews. She enjoys reading, cooking, yoga, and bowling (badly).


Education, Certifications, & Affiliations

  • B.S. in Business Administration & Accounting
  • M.S. in Finance, Golden Gate University
  • Member, Financial Planning Association (FPA)
  • Member, Financial Women of San Francisco

More About Carmetta

I became an advisor to channel my passion for financial planning into helping people live their best financial lives. As an advisor, I can go on countless financial journies with people outside of my immediate circle.  

Right now, I’m excited by the financial planning profession’s push to be more diverse and inclusive. I believe this will open the profession up to traditionally underserved communities that have had limited access to financial planning, which provides an avenue to build more meaningful, sustainable lifestyles.

The best advice I ever received was to never stop learning. There are so many things to know and not enough time to learn it all. Trying to learn as much as I can means there is no end destination. I will forever be on the journey.