Gary F. Joyal
CEO; Managing Partner of affiliated companies
Gary is the founder of Joyal Capital Management, LLC and managing member of its subsidiary holdings. JCM has specialized for more than 25 years in sophisticated asset protection and estate planning for high net worth individuals, family-owned businesses and closely held corporations. Gary has provided the thought leadership necessary to create JCM Franchise Development, JCM Finance, JCM Opportunity Fund and JCM Trust Services all of which represent ancillary offerings for the JCM Private Client Group. Gary specializes in mergers and acquisitions in the QSR space, leveraged buyouts, buy- and sell-side consulting, divestitures, loan workouts, credit lending and real estate investment opportunities in the purpose-built student housing space. His efforts through these specialties have yielded many successes for the fund investments, sell-side deal closings and the placement of significant credit for buy-side transactions. Gary also founded Joyal Capital Management Foundation, Inc., the philanthropic arm of JCM, which has helped thousands of children nationally through its “$100 For 100” interactive giving program.
Gary continues to grow the Joyal Capital Management brand with a clear focus on top-tier deliverables through diversification and an exceptional family office experience.
Jeffrey R. Richard
Jeff is involved in all facets of the firm’s franchise development division, with a particular focus on restaurant mergers & acquisitions, business valuations and debt placement. He works closely with affiliated advisory relationships throughout the transaction process and is a primary contact for potential buyers, coordinating the flow of information from initial bid, to transaction close. Prior to joining the firm, Jeff was an audit analyst with Brown Brothers Harriman & Co., compiling and recording audit packages for external auditors and financial reporting purposes. He holds a bachelor of science degree in business administration from the University of New Hampshire.
Susan A. Redsicker
Susan leads the banking and debt placement for JCM Finance, LLC. She is responsible for the management and thought leadership of the firm’s finance company. Susan oversees the credit and underwriting process for JCM clients from initiation to closing, and additionally reviews new banking clients within the Private Client Group Wealth Management System.
Prior to joining the firm, Susan was a Financial Consultant, not only providing personal investment advice, but also consulting with various start-up and small companies. She owned and operated an S-Corp for eight years. Susan began her career as a Corporate Finance Instructor at Syracuse University. She continued to tutor financial and accounting professionals due to a strong thirst for financial education. She also continues to volunteer her time encouraging youth to pursue careers and education in quantitative disciplines.
Susan holds a Bachelor of Science in Finance from Florida Gulf Coast University and an MS in Finance from Syracuse University.
Devin J. Guadagno
Devin is involved in many aspects of the firm’s franchise development division. His focus is working with the Senior Analyst closely on restaurant mergers & acquisitions, business valuations, and debt placement. He also assists throughout the transaction process and is a secondary contact for potential buyers, to help coordinate flow of information from the initial bid, to transaction close.
Prior to working for JCM, Devin was an Administrative Assistant to the Regional Manager of Asplundh Tree Experts Co. for Massachusetts and Vermont. There he worked closely with the Regional Manager reviewing company analytics. He also created reports for injury and vehicle incidents.
Devin holds a Bachelor of Arts in Finance and Economics from Saint Anselm College.
Franchise Concept Consultant
A co-founder turned independent franchisee, Lloyd was one of the first to sign on when the restaurant chain Johnny Rockets began franchising 27 years ago. He currently owns 17 locations throughout seven states and consistently performs among the highest grossing stores in the roughly 300 unit chain. With 25 plus years of restaurant industry experience Lloyd brings a wealth of retail merchandising, restaurant operations and franchising experience to the JCM team.