Josh joined St. Germain in 2010 and focuses on providing comprehensive financial planning and investment advice to individuals and families. He holds the CERTIFIED FINANCIAL PLANNER™ designation and is a Certified Investment Management Analyst®, having met rigorous experience, ethics, coursework, and exam requirements for both credentials. Josh brings an analytical perspective to financial planning, informed by his academic background that includes a Bachelor of Arts from Hampshire College and a Master of Science in Mathematics Education from Brooklyn College. His approach combines technical expertise with clear communication to help clients navigate complex financial decisions and develop strategies aligned with their long-term goals.