Disclosures & Client Information.
Clear, plain-language information about who we are, how we work and the documents that govern a working relationship — gathered in one place, because transparency is part of fiduciary guidance.
Who You Are Working With.
Ducat Private Wealth is the public-facing brand of Joy Financial Group LLC, a Florida-registered investment adviser. Through its Sports & Entertainment Private Wealth focus, the firm provides fee-based fiduciary wealth planning and investment management for athletes, families and entertainment professionals navigating careers that may create meaningful financial opportunity.
Our work is built around clarity, discipline and long-term purpose. We aim to make complex financial decisions understandable, to coordinate thoughtfully with the qualified professionals a client already trusts, and to keep the client's goals at the center of every conversation.
Where We Are Permitted to Serve.
Advisory services are offered only where the firm is properly registered or otherwise permitted under applicable law. Registration as an investment adviser does not imply a certain level of skill or training.
Joy Financial Group LLC is registered as an investment adviser with the State of Florida through the Florida Office of Financial Regulation (Florida-OFR). The firm is not registered with the U.S. Securities and Exchange Commission. Availability outside Florida depends on applicable registration or exemption requirements, which we are glad to discuss before any relationship begins.
How We Are Compensated, and the Standard We Hold.
Ducat provides fee-based advisory services. As a fiduciary, the firm has a duty to act in each client's best interest.
Fee-Based Advisory Services
The firm offers advisory services on a fee basis. Specific services, the way fees are calculated and any potential conflicts of interest are described in the firm's disclosure documents and reviewed with prospective clients before an engagement begins.
Duty of Care & Loyalty
A fiduciary owes a duty of care and a duty of loyalty. In practice, that means seeking to provide advice that is in the client's best interest and disclosing material facts — including conflicts of interest — so decisions can be made with full information.
Review Before You Decide
We encourage every prospective client to review the firm's services, fees, conflicts of interest and disclosure documents carefully, and to ask questions, before deciding whether the relationship is the right fit.
What the Firm Provides.
A coordinated set of fiduciary planning and investment services, tailored to each client's goals and circumstances.
Wealth Planning
Organizing goals, responsibilities and priorities within a thoughtful, long-term strategy.
Investment Management
Fiduciary investment guidance aligned with each client's goals, time horizon and liquidity needs.
Cash-Flow & Liquidity Planning
Planning around meaningful, variable and contract-based income.
Tax-Aware Coordination
Considering tax implications within a plan and coordinating with the client's qualified tax professionals.
Estate & Legacy Considerations
Considering family and legacy goals alongside the client's qualified attorneys.
Philanthropic Planning
Charitable giving and community impact considered within a broader plan.
Career-Transition Planning
Planning for life after competition and for evolving sources of income.
Professional-Team Coordination
Working alongside the attorneys, CPAs and agents a client has already chosen.
What the Firm Does Not Provide.
So that expectations are clear from the outset, certain services fall outside what Ducat offers.
Ducat Private Wealth does not provide legal representation, tax preparation, athletic representation, talent management, recruiting, contract, name-image-and-likeness (NIL) or endorsement negotiation, royalty administration, business management, or eligibility advice. The firm provides fee-based fiduciary wealth planning and investment management, and coordinates with the qualified attorneys, accountants, agents and other professionals selected by the client.
Independence and Non-Affiliation.
Ducat Private Wealth is not affiliated with, sponsored by, or endorsed by any university, athletic department, athletic conference, NIL collective, professional or amateur team, league, sports agency, talent agency, record label, studio, streaming service or social-media platform, unless such a relationship is expressly stated through an approved written arrangement. References to athletes, entertainment professionals, sports or related fields throughout this site describe the focus of the firm's planning services only and do not imply any such affiliation or endorsement.
Resources Are for Understanding, Not Individual Advice.
Articles, guides, checklists, webinars and other resources made available through this site are provided for general educational purposes only. They are intended to make important financial concepts clearer — not to serve as individualized investment, legal, tax, athletic-representation or contract-negotiation advice, and they should not be relied upon as such.
Every situation is different. Decisions about your specific circumstances should be made only after a personal conversation and appropriate review with qualified professionals.
Key Client Documents.
The documents below describe how the firm operates and how a client relationship is governed. In this preview, files are not yet available.
Part 2A — Firm Brochure
Describes the firm's advisory services, fees, conflicts of interest and business practices.
Part 2B — Brochure Supplement
Background information about the firm's advisory personnel, where applicable.
Privacy Notice
Explains how client information is collected, used and safeguarded.
Terms of Use
The terms that govern use of this website and its content.
Website Disclosure Statement
Important disclosures regarding the information presented on this website.
Communication Consent Notice
How the firm handles consent for email and text-message communications.
Questions About These Disclosures?
Whether you would like a specific document, have a question about how the firm works, or would prefer a private conversation, we are glad to help.
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Reach the firm with a general question about disclosures, services or how we work.
Get in touch DocumentsRequest Disclosure Information
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