Joyal Capital Management, LLC is a Plymouth,Massachusetts financial services and family office firm specializing in Total Plan Integration, estate planning, business planning, franchise advisory, financing, and trust services.
Founded in 1982 by Gary F. Joyal, Joyal Capital Management (JCM) has developed an integrated approach designed to coordinate the estate, business, and financial plans of individuals, families, entrepreneurs, and closely held businesses.
Total Plan Integration and Family Office Services
At the center of Joyal Capital Management’s approach is Total Plan Integration, a planning philosophy focused on bringing multiple areas of a client’s financial life together within a coordinated strategy. Rather than viewing estate, business, and financial planning as separate priorities, JCM works to align these areas based on each client’s circumstances and long-term objectives.
The firm’s Private Client Group provides family office and planning services for high-net-worth individuals, families, and closely held corporations. JCM’s capabilities include estate and tax planning, asset protection, advanced life insurance planning, trust and estate services, business planning, and succession planning.
Since its founding, JCM has expanded from a Massachusetts-based financial services business into an organization serving more than 500 clients across 30 states.
Franchise Development and Business Financing
JCM has also established specialized affiliated companies that extend its capabilities beyond traditional financial planning.
JCM Franchise Development provides sell-side consulting and transaction advisory services to franchise owners, with extensive experience in the quick-service restaurant sector. The division has worked with more than 250 franchisee clients representing approximately 2,000 locations.
One notable transaction came in 2018, when JCM Franchise Development facilitated the sale of a 67-store Dunkin’ franchisee-owned network in greater Chicago. The complex transaction was completed through five separate closings involving seven purchasing groups.
Through JCM Finance, the organization also works to source qualified lenders and arrange financing for franchise acquisitions, business expansion, and other commercial opportunities.
An Integrated Financial Services Platform
Joyal Capital Management’s broader platform includes services and expertise spanning:
- Estate Planning & Asset Protection
- Total Plan Integration
- Family Office Services
- Franchise Development & Sell-Side M&A
- Franchise & Business Financing
- Trust & Estate Services
- Life Insurance & Advanced Planning
- Family Business Succession Planning
With decades of experience and an integrated suite of financial and business services, Joyal Capital Management continues to serve clients from its headquarters in Plymouth, Massachusetts, while supporting families and businesses across the United States.
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