A family legacy of financial guidance
Joe’s grandfather began the tradition, followed by his father and then Joe—three generations connected by service to families.
The people behind the plan
Financial planning is personal. The people providing it should be, too.
At Blue Ridge Financial Planning, we help people, families, and business owners make informed financial decisions. We believe meaningful advice begins with understanding the responsibilities and decisions behind the numbers.
Your planning teamJoe Silva & Monique Ryan
Our story
Built around relationships that last.
Blue Ridge Financial Planning is based in Fort Mill, South Carolina, serving clients locally and virtually. We help people organize their financial lives and make informed decisions about retirement, investments, taxes, insurance, and family goals.
For Joe, financial planning is also a family legacy. As a third-generation financial planner, he saw early how consistent guidance can shape families across decades. Today, Joe and Monique carry that long-term perspective into every client relationship.
Discipline, clarity, and practical advice
Professional experience, military service, and years spent helping clients navigate real decisions shaped a planning approach built to be understood.
A personal team with wider support
Joe and Monique remain at the center of the relationship, supported by technology and strategic investment resources designed for ongoing planning.
What we believe
Advice should make your financial life clearer—not more complicated.
Our planning philosophy is grounded in four ideas that guide how we communicate, evaluate decisions, and remain involved over time.
Planning should be understandable.
You should understand the decisions you are making and why they matter.
Investments should support the plan.
A portfolio should connect to income needs, taxes, risk tolerance, and goals.
Financial decisions are connected.
Retirement, taxes, insurance, estate planning, and investments should not be reviewed in isolation.
Ongoing guidance matters.
A financial plan should be reviewed and adjusted as life changes.
Your advisors
Different experiences. One shared standard of care.
You are not handed off to an anonymous system. You work with people who understand your history, know the decisions in front of you, and remain involved.
Since 2007Meet Joe
Joseph S. Silva
Financial Planner
Joe is a third-generation financial planner who has helped families, retirees, professionals, and business owners make informed decisions since beginning his financial-services career in 2007.
A United States Marine who served for 12 years and deployed to Iraq in 2005, Joe brings a disciplined, organized, and practical approach to planning. His connection to the Marine Corps remains personal as the proud father of two sons serving in the Marines.
Joe lives in Indian Land, South Carolina, with his wife, Beth, and their children.
Clear guidance should connect the different parts of a client’s financial life.
Since 2010Meet Monique
Monique Ryan
Financial Planner
Monique has worked in financial services since 2010 and helps clients make thoughtful decisions about investments, retirement, and their overall financial plan.
Her earlier work on the corporate side of the financial-services industry gives her a broad understanding of how firms, advisors, and clients work together. She brings a practical, down-to-earth approach and enjoys helping clients understand their options without feeling overwhelmed.
Monique holds a degree in Business Management from the University of Wisconsin–Whitewater. She lives in Fort Mill with her husband, Sean, and enjoys traveling, running, biking, reading, and spending time with dogs.
Good planning should help people understand their choices and feel prepared to move forward.
You should never feel like an account number. You should feel like someone knows your story.
That is why our work begins with listening, continues through coordinated advice, and evolves as your family, priorities, and financial life change.
Strategic investment support
Personal guidance, supported by broader investment resources.
Blue Ridge Financial Planning is a member of the TAG Advisor Network. This strategic relationship gives our firm access to additional investment-management and business resources while Joe and Monique remain central to your planning relationship.
Director, TAG Invest
Jasen Dahm, CFA, CPA
Jasen is Managing Director of TAG Invest, Blue Ridge Financial Planning’s strategic investment-management partner, and oversees the development and management of investment portfolios.
Co-Portfolio Manager
Mark Kelly, CFA
Mark serves as Co-Portfolio Manager within the strategic investment team supporting the portfolio-management resources available to Blue Ridge Financial Planning.
Based in Fort Mill. Available virtually.
A personal relationship, wherever we meet.
Clients can meet with us at our Fort Mill office or virtually through secure online meetings, digital planning tools, and ongoing communication designed to make financial planning accessible and convenient.
Fort Mill, SCIn-person meetingsVirtual planningOngoing reviews
Choose how to meetStrategic relationship and regulatory disclosure
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Blue Ridge Financial Planning and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. Fixed insurance services offered through Blue Ridge Financial Planning. Investing involves risk of loss.
Diversification and asset allocation strategies do not assure profit or protect against loss.
Financial Professionals may only conduct business with residents of the states or jurisdictions in which they are properly registered, licensed or exempt from registration and not all of the securities, products and services mentioned are available in every state or jurisdiction.
The next conversation
Meet the people who will help connect your financial life.
You do not need to organize every document or answer every question before meeting with us. The first conversation is simply a chance to understand what matters to you.
Schedule a conversation