Joseph G. Salpietro,ChFC®
XPYRIA Investment Advisors

Tel: (412) 232-3310
603 Stanwix Street
Ste. 1850
Pittsburgh, PA 15222

The Wealth of Experience

XPYRIA Investment Advisors | Financial Advisor in Pittsburgh ,PA

About XPYRIA Investment Advisors

Established in 1990, XPYRIA is a privately-held, independent registered investment advisor dedicated to investment research, financial management, and planning.

From our inception, XPYRIA's mission has been to raise the bar on standard industry practices by applying a consultative model that is free from conflicts of interest and involves a higher level of research-based financial expertise to thoroughly investigate, implement, and monitor an effective investment program. Paramount to our approach is the protection we provide to clients as a fiercely independent, informed advocate.

Leveraging our extensive investment consulting expertise, seasoned financial professionals, and industry-leading resources, XPYRIA continues to provide the highest level of investment management and financial guidance to our clients.

General Information

Firm Start Year:   1990
No.of Employees:   10-19
States Licensed in:   PA, MD
Number of Years with Current Firm:   20
I work with the following types of clients:   Businesses, Non-Profit Organizations, Union, Taft-Hartley, Government, Individual Investors


Investment Types:   Mutual Funds, Stocks, Bonds, Alternative Investments, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
I can meet clients in the following ways:   Via phone, Via email, At your office, At your home, At my office

Qualifications & Memberships

Firm Information

Firm's Number of Clients:   250
Firm's Number of Planning Clients:   250
Firm's Number of Managed Clients:   250
Assets Managed by Firm:   ~ $600,000,000
Assets Managed by Advisor:   ~$250,000,000


Registered Investment Advisor:   Yes
I am an acknowledged fiduciary:   Yes
Compliance Disclosures in Last 5 years:   I have a clean record
Criminal Disclosures in Last 5 years:   I have a clean record

Compensation and Fees

Fee Structure:   Fee Only
Minimum Portfolio Size for New Managed Accounts:   $500,000
Compensation Methods:   Flat Fee, Hourly, Based on Assets


Chartered Financial Consultant (ChFC®) - Financial Planning  American College - Philladelphia, PA

Bachelor Degree - Business and Economics  University of Pittsburgh - Pittsburgh, PA

MBA - Finance  Duquesne University - Pittsburgh, PA


  • Do you have a customer satisfaction or refund policy? We do not want you to be satisfied, we want you to be elated! If you are not, we want to know what we have missed so we can make it right.
  • What are your qualifications? What is your education background? All of our Senior Client Advisors are required to have a four year college degree and an MBA at a minimum. Many have other advanced degrees and/or advanced professional designations.
  • What is your approach to financial planning? Developing a financial plan begins with understanding your goals, priorities, and financial circumstances. From income to expenses, we need to know what drives your financial decisions. We will work to understand the connection between your assets and personal objectives and frame an approach giving you confidence that you are making the most of your resources.
  • What services do you offer? XPYRIA strives to be your Chief Investment Officer. We want to understand all aspects of your financial life and provide services to help you meet your short and long term goals. Whether its creating a financial plan or providing education analysis & planning , we will be there to help guide you every step of the way.
  • How many clients do you currently manage? We currently manage approximately $600 million for 250 clients.
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Individuals who engage our Firm for financial planning or other related financial projects, which have a limited duration, are not listed above.

Joseph G. Salpietro,ChFC®

Joseph G. Salpietro,ChFC®


Mr. Salpietro is a Shareholder, President and CEO of XPYRIA Investment Advisors. Joe has been with XPYRIA for 20 years and was formerly a Vice President at PNC Bank where he worked for 8 years. He has a degree in Business and Economics from the University of Pittsburgh; an MBA with a concentration in Finance from Duquesne University; and is a Chartered Financial Consultant(ChFC®) from the American College. Mr. Salpietro is a member of the Firm’s Investment Committee.

Working exclusively as his clients' ADVOCATE, Joe specializes in helping his clients navigate complicated or unfamiliar financial topics related to planning and investing in an effort to provide confidence and peace of mind in their decision making process. Mr. Salpietro counsels individuals and institutional clients with investments of $1 million to $100 million. Mr. Salpietro provides independent (product-free), objective (commission-free) guidance to clients as it relates to their invested assets. Gaining a thorough understanding of his client’s unique financial circumstance through consultation, he designs, implements, and maintains effective financial solutions that allow his clients to meet their short-, mid-, and long-term financial goals and objectives. Joe provides expansive counsel to high-net-worth individuals. In addition, Mr. Salpietro advises on: union operating funds; Taft-Hartley benefit plans; government benefit plans; for profit operating funds and benefit plans; nonprofit operating funds and benefit plans; endowments and foundation.

My Services

Financial Planning for Individuals

Planning is the cornerstone of successful client relationships and is essential to understanding your goals and helping you take control of your financial future. Our planning process starts with a firm understanding of your life circumstances. We work to establish Where You Are, Where You What to Be, and How We Can Get You There. Once we understand these key elements, XPYRIA will be able to Build the Blueprint that will help you build a successful future.

Investment Management & Advice

Together with you, we will establish and document an investment strategy (asset allocation and diversification) designed to meet or exceed your unique financial goals and objectives, assuming the least amount of risk necessary to succeed. Continuous portfolio management and oversight is the foundation of our value-added approach designed to enhance returns and reduce risk, thus improving the probability that you will achieve your financial objectives. We will make the necessary changes to keep your portfolio on track. We will also provide ongoing communication and education via reporting and periodic review meetings. We are always available to talk to our clients. The formal written and oral communication plan is always customized to suit the client’s needs.

Financial Planning for Businesses

XPYRIA Investment Advisors has collaborated with businesses for over 25 years. We aim to develop a partnership with our clients. As it pertains to operating assets, we understand the various facets of a business and can structure an appropriate investment strategy to address both short-term liquidity needs and the longer- term desire for capital appreciation. In addition, XPYRIA understands that the proper execution of a company's retirement plan is crucial to its long-term success. We have worked with businesses to develop cost-effective solutions that offer high quality investment vehicles designed to drive performance for its participants. We offer a robust, yet simple plan designed to maximize efficiencies, minimize costs, and promote the long-term interest of participant and sponsor alike.

My Team

Bret J.  Stutzman
Bret J. Stutzman
Mr. Stutzman conducts in-depth investment research that is instrumental in the construction, maintenance, and management of client portfolios. This research includes the procurement of primary data via direct investment manager interviews as well as obtaining information from our extensive data resources. In addition, Mr. Stutzman provides investment advice to closely held businesses, Taft-Hartley plans, non-profit [501(C)(3)] organizations, union accounts, government entities, and high-net-wort ...more

Michael B. Giammatteo
Michael B. Giammatteo
Mr. Giammatteo conducts in-depth investment research that is instrumental in the design, construction, and management of client portfolios. He is responsible for the procurement of primary investment research for the exclusive benefit of the Firm and its clients. Mr. Giammatteo and our research staff put each investment idea through a quantitative and qualitative review prior to being presented for final approval to the Firm’s Investment Committee. Mr. Giammatteo is a member of the Firm’s Invest ...more

John H. Cummings, Jr
John H. Cummings, Jr Esq., ChFC, AEP
Mr. Cummings employs a consultative approach to the management of client assets. He specializes in consulting to non-profit [501(C)(3)] organizations, Taft-Hartley plans, closely held businesses, and high-net-worth individuals with investments of $1 million and above. He has experience in portfolio construction methodology, asset allocation decisions, and diversification of funds among various asset classes, investment styles, and money managers. He is very knowledgeable in the area of mutual fu ...more

Karen Fadzen
Karen Fadzen CFP®, ADFA®, CDFA™, CAS®
Ms. Fadzen has extensive knowledge and experience in comprehensive financial planning that integrates global investment management, legal, tax, insurance, and family dynamics. She enjoys helping clients organize their financial lives so that they understand their financial situations and the financial decisions that need to be made. This has led to specialization in divorce financial planning and helping women and families in transition. Ms. Fadzen's role as a divorce financial expert he ...more

Office Hours

wiseradvisor-balck-li-img Mon. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Tue. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Wed. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Thu. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Fri. 9:00 AM - 5:00 PM

Awards & Recognitions

Awards & Recognitions
Top Financial Advisers 2014

XPYRIA was named an FT 300 Top Registered Investment Adviser in the United States by the Financial Times in 2014.

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