Joseph J. Ciaramitaro


Joseph J. Ciaramitaro, CFP®

Senior Vice President, Investments, Managing Director

Joe's introduction to financial planning was born out of necessity and love for his family. When Joe was just 14, his father passed away. With the duty of a devoted son, he assumed responsibility for managing the family finances.

He will humbly tell you that he is just a simple person who coaches financial planning and youth sports, but his clients will probably tell you that he is so much more. He coaches them on not just managing their investments, but on all aspects of their financial lives, from planning for college to having an estate plan.

He is not just a numbers guy, but a trusted confidant who helps you with your finances. He shares many of his clients' values – fun, family, friendship – and is like a life coach to them. Like any good coach, he has a persistent, honest approach, focuses on the basics and provides investment information so his clients can be better informed and prepared throughout their lives. The bottom line is that he truly cares about his clients and his primary goal always centers around helping them do better than they could on their own.

Joe has more than 25 years of experience in the financial services industry and is Certified Financial Planner practitioner. By being certified by the CFP Board, he has taken the extra step to demonstrate his professionalism by voluntarily submitting to the rigorous CFP® certification process that includes highly demanding education, examination, experience and ethical requirements.

He moved his practice to Raymond James over 12 years ago because he was impressed with the tenure and loyalty exhibited by other advisors at the firm. Earlier in his life, Joe was a first vice president at Prudential Securities and earned a bachelor's degree in accounting from Michigan State University. Joe grew up in Grosse Pointe Park and lives in Farmington Hills with his wife, Elaine, and their children, Jackie, Charlie and Robbie. In his free time, Joe enjoys reading, keeping up with the latest in technology, collecting baseball cards, and especially coaching youth baseball, basketball and soccer.


CFP® | Certified Financial Planner |
Certified Financial Planner Board of Standards, Inc., owns the certification marks above, which it awards to individuals who successfully complete initial and ongoing certification requirements.

15U South Farmington Blues FAAST Summer Slam Champions
Another baseball championship for the South Farmington Blues, with Coach Joe smiling because hard work and persistence paid off again.
South Farmington Blues Travel Baseball wins tournament and Coach Joe and the boys celebrate.
Our Lady of Sorrows Soccer team wins end of season tournament and Coach Joe yuks it up with the boys after the win.
Joe with daughter Jackie at Raymond James Night at a Detroit Tigers baseball game.
Dad Joe is the football coordinator for sons Charlie and Robbie.
Coach Joe and star soccer player, son Robbie, celebrate after another victory.
Another tournament championship for Coach Joe and son Charlie.


325 N. Old Woodward Ave., Suite 320 | Birmingham, MI 48009 | T: 248.901.3938 | T: 800.544.8754 | F: 248.540.4217 | Map and Directions |

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. © Raymond James & Associates, Inc., member New York Stock Exchange / SIPC | Legal Disclosures | Privacy Policy

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.