Joseph Powanda


Bay Point Wealth

Associate Financial Advisor

Joseph Powanda


Bay Point Wealth

Associate Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Joseph Powanda, CFP®

Fee-Only financial planner located in Annapolis, MD, serving clients locally and across the country

Joseph Powanda is an Annapolis, MD fee-only financial planner. Bay Point Wealth provides comprehensive financial planning, portfolio management, and tax planning to help individuals and families organize, grow and protect their assets through life’s transitions.  As a fee-only, fiduciary, and independent financial advisor, Joseph Powanda is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Joseph Powanda enjoys working with clients, developing their financial plans, and watching them achieve their goals. Joe knew that he had found his calling when he discovered comprehensive financial planning. To him, financial planning is truly an outlet that allows him to combine his knack for simplifying and solving complex problems with his desire to help others make positive changes in their lives.

Joe earned his Bachelor of Science in Personal Financial Planning at the University of South Florida in Tampa, Florida. While attending university, Joe used his expertise to positively impact the financial lives of fellow students though the university’s Financial Education office as a Peer Financial Educator. Giving back to the financial planning community, he served as the Treasurer of the Financial Planning Association’s Student Chapter.

In his senior year, Joe interned at an independent broker-dealer in Lutz, Florida, growing into the full-time role of Client Service Administrator following graduation.

Joe has always believed that the future of the financial planning industry will be led by fee-only fiduciaries such as Bay Point Wealth and in May 2021, he joined the team as an Associate Financial Advisor.

As an Associate Advisor, Joe provides analysis, support, and recommendations to clients surrounding both their planning and investment needs. Joe is also currently a member of NAPFA and the FPA of Tampa Bay.

In his free time, Joe enjoys playing golf with his family and friends, or playing fetch with his English Springer Spaniel, Prescott. In addition, Joe loves traveling, cycling, and cheering on the New York Yankees.  

Certifications & Education

  • Bachelor of Science in Personal Financial Planning


  • Financial Planning
  • Retirement Analysis

Joseph Powanda is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Our mission at Bay Point Wealth is to integrate planning, investments, and taxes, with you at the center. The first step is understanding where you want your financial journey to take you. We use this foundation to build appropriate strategies, tailored to you.

We look at and integrate all aspects of your financial life, including your investments, taxes, insurance, and estate plan to provide advice in an unbiased, clear, and comprehensive manner. In interactive meetings, we will show you how different factors affect your financial future. In real time you can see how spending, investment returns, savings, and other factors will affect your wealth. Once you feel comfortable with your plan, we will design an investment portfolio that reaches your goals in a cost effective and tax efficient manner, maintaining as little risk as possible. Lastly, not only will we prepare your tax return, we will look for opportunities to minimize your tax burden and integrate your tax planning with your overall financial plan.

At Bay Point Wealth, you get comprehensive planning, investments, and taxes. Everything you need, all in one place.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Analysis
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Joseph Powanda is a NAPFA Associate

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Joseph Powanda is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

Contact Joseph Powanda

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Office Locations:

  • 582 Bellerive Rd
    Suite 4D
    Annapolis, MD 21409

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