Our Team

Meet Our Team

Joe Cervantes

Teams

  • Team Cervantes

Locations

  • Bellevue

Roles

  • Wealth Manager

Joe Cervantes, CFP®, CLU®, AEP®

Team Lead & Wealth Manager

Joe Cervantes is a Team Lead & Wealth Manager who specializes in providing comprehensive wealth management services including estate and financial planning for affluent individuals and families. For over three decades, he has focused on enriching his clients’ lives by providing tailored financial planning methodologies to address complicated investment, estate, and tax planning issues. With his ongoing desire to practice complex estate planning strategies for high-net worth families, Joe has developed extensive knowledge in legacy planning, risk awareness, insurance, and protective liability strategies.

Joe has been recognized by Barron’s as a top Financial Advisor in Washington State in 2019, 2020, and 2021. Joe earned an Executive Certificate in Financial Planning from the University of Washington, Foster School of Business, and holds the CERTIFIED FINANCIAL PLANNER™ (CFP™) designation. Joe earned the Chartered Life Underwriting designation (CLU), in 2014, a designation for insurance professionals awarded by The American College of Financial Services. Launched in 1927, the Chartered Life Underwriter (CLU®) is one of the insurance profession’s oldest and most respected credentials, representing a thorough understanding of a broad array of life insurance planning issues and personal risk management. Joe holds the Accredited Estate Planner® Designation, administered by the National Association of Estate Planners & Councils. It is awarded only to estate planning professionals who meet special requirements of education, experience, knowledge, professional reputation, and character. Joe is a current member of the Estate Planning Council of Seattle, the Financial Planners Association, and the Association of Financial Services Professionals.

When not at the office, Joe spends his days with his wife, two daughters, and two poodles. He enjoys working in his garden, cooking delicious Mexican food, riding his Harley Davidson, and hitting a few balls at Bear Creek Country Club.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®. CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

At the end of the day – when you leave everything else behind – our business is about people and relationships. Never underestimate the bonds that can be formed over a drink and some laughs.

COLDSTREAM SHAREHOLDER

Coldstream is an employee-owned wealth management firm. We believe that by having broad employee ownership, we can attract and retain the industry’s best talent – in turn furthering our mission of enhancing people’s lives.

Recent Article Contributions

  • April 26, 2021

    What You Need to Know About the New Washington State Long-Term Care Act

    Update as of: January 27, 2022 On January 27th, Governor Jay Inslee signed House Bill 1732 which delays implementation of the long-term care payroll tax in Washington State for 18 months.  Employers will not be required to collect the .58% payroll tax until July 1, 2023. In addition, the law was updated so individuals born [...]

    Joe CervantesVonie BrightGlen White
    Contributions from: Anne Marie Stonich, CFP®, CPA, Joe Cervantes, CFP®, CLU®, AEP®, Vonie Bright, CFP®, Glen White
  • March 25, 2021

    Coldstream Recognized on Barron’s 2021 Top 1200 Advisor Rankings

    Bellevue, WA – March 25, 2021 We’d like congratulate Kevin Fitzwilson and Joe Cervantes for their recognition in Barron’s 2021 Top 1200 Advisor Rankings. Kevin and Joe are among the top advisors in Washington State again this year!  We thank you for your dedication and personal approach to serving our clients.     Access the [...]

    Kevis FitzwilsonJoe Cervantes
    Contributions from: Kevin Fitzwilson, Joe Cervantes, CFP®, CLU®, AEP®
  • June 3, 2020

    How to Die Well; A Wealth Manager’s Perspective

    June 3, 2020 A little over a year ago, I lost both a brother and a very close friend to cancer within two days of one another. While devastating, I was honored to be able to spend time with them prior to their passing, listening to their personal feelings and concerns about their cancer, their [...]

    Joe Cervantes
    Contributions from: Joe Cervantes, CFP®, CLU®, AEP®