Joe Cervantes, CFP®, CLU®, AEP®
Team Lead & Relationship Manager

A Bellevue, WA native, Joe specializes in providing customized wealth management services 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, insurance, and financial planning issues. Joe has been recognized by Barron's as a top Financial Advisor in Washington State in 2020. Prior to joining Coldstream, Joe was an owner/operator of an independent insurance firm, honing his knowledge and skills in life and health insurance. He has extensive knowledge of risk awareness and comprehensive knowledge of insurance. Joe currently maintains insurance licenses in all lines including life, disability, property, and casualty insurance, and has also obtained his Chartered Life Underwriting designation (CLU). 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 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 maintains membership in the following professional organizations: Estate Planning Council of Seattle, Financial Planning Association, Financial Services Professionals, and the Greater Seattle Business Association.

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.


Joe’s Barron’s Directory Bio

Profile pages in Barron's are available only for ranked advisors. Data on assets are taken from the most recent Barron's ranking. Click hereBarron’s publishes four individual advisor rankings each year (Top 100 Advisors, Top 100 Women Advisors, Top 100 Independent Advisors, Top 1,200 Advisors) along with three team- or firm-based rankings (Top RIA Firms, Top Institutional Consultants, Top Wealth management Firms).Barron's published its first advisor ranking in 2004 to shine a spotlight on the nation’s top-ranked wealth managers and raise standards in the industry. Advisors who wish to be ranked fill out a comprehensive survey about their practice. Barron’s verifies that data and applies the rankings formula to the data to generate a ranking, based on assets, revenue, and quality of practice. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. This ranking does not evaluate the quality of services to clients and is not indicative of future performance. Neither the RIA firms nor their employees pay a fee for inclusion in the ranking. for more information on our ranking methodology. Advisors have paid a fee to include their photo and contact information.

TEAM

Cervantes

LOCATION

Bellevue 100

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