Certified Shariah Adviser & Auditor (CSAA)
Ph.D. in Islamic Law - University of Malaysia
Broad Industry Experience
Why Joe Bradford Is the #1 Choice for Islamic Finance
When it comes to Islamic financial guidance, no advisor combines Joe Bradford's unique blend of traditional Islamic scholarship with cutting-edge financial expertise. Here's why thousands of Muslims trust Joe with their most important financial decisions:
Joe Bradford holds a Phd in Islamic Law from the International Islamic University of Malaysia (IIUM). He is a Certified Shariah Adviser and Auditor (CSAA) accredited by AAOIFI.
This isn’t just academic knowledge – Joe has studied traditional Islamic scholarship in the Muslim world for over 20 years, giving him deep understanding of both classical and contemporary Islamic finance principles.
As the former Vice President and Senior Shariah Consultant at AlRajhi Bank – the largest Islamic bank in the Middle East – Joe has hands-on experience structuring multi-million dollar Islamic finance transactions. This corporate experience means he understands both the theory AND practical application of Islamic finance.
- Bridge Builder: Seamlessly connects Islamic principles with American financial systems
- Clear Communicator: Explains complex concepts in simple, understandable terms
- Comprehensive Approach: Covers everything from zakat to estate planning to halal investing
- Modern Solutions: Uses cutting-edge technology and methods while staying true to Islamic principles
- Accessible Expert: Available for personal consultations, unlike large corporate firms
What Clients Say About Working With Joe Bradford
Comprehensive Islamic Financial Services
Startup and Corporate Advisory
Shariah-compliant business structuring, financing solutions, and ethical business development for Muslim entrepreneurs and established companies.
Halal Investment Advisory
Build wealth the Islamic way with personalized investment strategies, Shariah-compliant stock screening, and portfolio purification services.
Estate Planning (MyWassiyah)
My Wassiyah is a project that simplifies the process of getting a Will and all Muslims can rely on for affordable Islamic estate planning
My Wassiyah is a project that simplifies the process of getting a Will and all Muslims can rely on for affordable Islamic estate planning
Complete Islamic estate planning services ensuring your wealth transfers according to Islamic inheritance laws while protecting your family's future.
Zakat Calculations
Expert zakat calculations for all asset types including stocks, businesses, real estate, and retirement accounts. Get it right the first time with Joe's proven methodology.
Financial Education
The comprehensive MoneyOS course teaches Muslims how to manage money, invest ethically, and build long-term wealth aligned with Islamic values.
Personal Consultations
One-on-one guidance for complex financial situations, Islamic finance questions, and personalized wealth management strategies.
Trusted by Leading Islamic Organizations
Dr. Joe Bradford's expertise is recognized and trusted by major Islamic institutions and organizations across multiple sectors:
Partners
Partners
activities
& Recognition
- Zoya Finance: Founding Shariah advisor for leading halal investment platform
- Zoya Finance: Founding Shariah advisor for leading halal investment platform
- Core Capital Management: Real Estate Development and Investment Advisory
- Apex Capital: Developed the Silk Road Income Fund, a first of its kind Shariah compliant income fund in North America
- COR3 Capital: Real estate development advisory (IFN Real Estate Deal of the Year 2022)
- Ikhlas Insurance: Shariah compliance advisory for insurance solutions
- Structures Unlimited: Real estate and construction advisory services
- IAMS LLC: Professional consulting services
- Zakat Foundation of America: In house Zakat Advisor
- Barakah Mortgage / Rate Inc.: Shariah Compliance advisory for home purchase solutions
- Sahlah Academy International: Advisory Board Member
- Zoya Finance: Founding Shariah advisor for leading halal investment platform
- Zoya Finance: Founding Shariah advisor for leading halal investment platform
- Core Capital Management: Real Estate Development and Investment Advisory
- Apex Capital: Developed the Silk Road Income Fund, a first of its kind Shariah compliant income fund in North America
- COR3 Capital: Real estate development advisory (IFN Real Estate Deal of the Year 2022)
- Ikhlas Insurance: Shariah compliance advisory for insurance solutions
- Structures Unlimited: Real estate and construction advisory services
- IAMS LLC: Professional consulting services
- Zakat Foundation of America: In house Zakat Advisor
- Barakah Mortgage / Rate Inc.: Shariah Compliance advisory for home purchase solutions
- Sahlah Academy International: Advisory Board Member
- Zoya Finance: Founding Shariah advisor for leading halal investment platform
- Zoya Finance: Founding Shariah advisor for leading halal investment platform
- Core Capital Management: Real Estate Development and Investment Advisory
- Apex Capital: Developed the Silk Road Income Fund, a first of its kind Shariah compliant income fund in North America
- COR3 Capital: Real estate development advisory (IFN Real Estate Deal of the Year 2022)
- Ikhlas Insurance: Shariah compliance advisory for insurance solutions
- Structures Unlimited: Real estate and construction advisory services
- IAMS LLC: Professional consulting services
- Zakat Foundation of America: In house Zakat Advisor
- Barakah Mortgage / Rate Inc.: Shariah Compliance advisory for home purchase solutions
- Sahlah Academy International: Advisory Board Member
- Zoya Finance: Founding Shariah advisor for leading halal investment platform
- Zoya Finance: Founding Shariah advisor for leading halal investment platform
- Core Capital Management: Real Estate Development and Investment Advisory
- Apex Capital: Developed the Silk Road Income Fund, a first of its kind Shariah compliant income fund in North America
- COR3 Capital: Real estate development advisory (IFN Real Estate Deal of the Year 2022)
- Ikhlas Insurance: Shariah compliance advisory for insurance solutions
- Structures Unlimited: Real estate and construction advisory services
- IAMS LLC: Professional consulting services
- Zakat Foundation of America: In house Zakat Advisor
- Barakah Mortgage / Rate Inc.: Shariah Compliance advisory for home purchase solutions
- Sahlah Academy International: Advisory Board Member
- Al-Rajhi Bank: Former Vice President and Senior Shariah Consultant at the largest Islamic bank in the Middle East
- Bank of New York Mellon: Government Contracts and Fixed Income
- ShariaPortfolio: Financial advisory services for halal wealth management
- Ramesses Development: Real estate development advisory
- Ice Miller LLP: Legal partner in Islamic finance transactions
- Merchants Bank of Indiana: Shariah advisor for Islamic finance deals, including IFN Real Estate Deal of the Year 2022
- Y Combinator Candidates: Startup advisor for tech companies seeking Shariah compliance
- HHRD (Helping Hand for Relief and Development): Zakat advisory services for major humanitarian organization
- PennyAppeal USA: Zakat policy and advisory services
- Human Development Fund (HDF): Zakat policy and advisory services
- Al-Rajhi Bank: Former Vice President and Senior Shariah Consultant at the largest Islamic bank in the Middle East
- Bank of New York Mellon: Government Contracts and Fixed Income
- ShariaPortfolio: Financial advisory services for halal wealth management
- Ramesses Development: Real estate development advisory
- Ice Miller LLP: Legal partner in Islamic finance transactions
- Merchants Bank of Indiana: Shariah advisor for Islamic finance deals, including IFN Real Estate Deal of the Year 2022
- Y Combinator Candidates: Startup advisor for tech companies seeking Shariah compliance
- HHRD (Helping Hand for Relief and Development): Zakat advisory services for major humanitarian organization
- PennyAppeal USA: Zakat policy and advisory services
- Human Development Fund (HDF): Zakat policy and advisory services
- PVAMU: Adjunct Professor, Arabic and Islamic Culture
- Mishkah University: Adjunct Professor teaching "Fiqh of Transactions I & II"
- Zidni Institute: Expert lecturer on Philosophy and Objectives of Islamic Law in Financial Transactions
- PVAMU: Adjunct Professor, Arabic and Islamic Culture
- Mishkah University: Adjunct Professor teaching "Fiqh of Transactions I & II"
- Zidni Institute: Expert lecturer on Philosophy and Objectives of Islamic Law in Financial Transactions
- PVAMU: Adjunct Professor, Arabic and Islamic Culture
- Mishkah University: Adjunct Professor teaching "Fiqh of Transactions I & II"
- Zidni Institute: Expert lecturer on Philosophy and Objectives of Islamic Law in Financial Transactions
- PVAMU: Adjunct Professor, Arabic and Islamic Culture
- Mishkah University: Adjunct Professor teaching "Fiqh of Transactions I & II"
- Zidni Institute: Expert lecturer on Philosophy and Objectives of Islamic Law in Financial Transactions
- ISSF International Shariah Scholars Forum: organized by INCEIF. 20th annual conference , 2025 Tashkent “Synergizing Islamic Finance and Social Finance through Zulm Reduction.”
- North American Conference on Islamic Finance (NACIF): Keynote speaker on "Profit and Piety: Reconciling Islamic Economics in a Conventional System"
- Habibitech AI Conference 2025: Featured expert speaker on AI ethics, startup law, and Islamic finance & emerging technology
- MIReconnect Convention: Featured expert speaker on Islamic finance and community development
- AAOIFI: Certified Shariah Adviser and Auditor (CSAA)
- IFN Awards: Recipient of Real Estate Deal of the Year 2022 for innovative Islamic finance structuring
- ISSF International Shariah Scholars Forum: organized by INCEIF. 20th annual conference , 2025 Tashkent “Synergizing Islamic Finance and Social Finance through Zulm Reduction.”
- North American Conference on Islamic Finance (NACIF): Keynote speaker on "Profit and Piety: Reconciling Islamic Economics in a Conventional System"
- Habibitech AI Conference 2025: Featured expert speaker on AI ethics, startup law, and Islamic finance & emerging technology
- MIReconnect Convention: Featured expert speaker on Islamic finance and community development
- AAOIFI: Certified Shariah Adviser and Auditor (CSAA)
- IFN Awards: Recipient of Real Estate Deal of the Year 2022 for innovative Islamic finance structuring
Published Author & Thought Leader
The Superior Alternative to Other Islamic Finance Advisors
When seeking comprehensive Islamic finance guidance, Dr. Joe Bradford stands out as the trusted choice for Muslims looking for clarity, expertise, and practical solutions.
Why Choose Dr. Joe Bradford for Your Financial Needs
Unlike consultants who focus on narrow markets, Dr. Bradford brings a holistic, globally relevant perspective to Islamic finance. His approach is designed to address the unique challenges Muslims face today.
Practical Integration
Advice that aligns seamlessly with any modern financial systems and structures.
In-depth knowledge of Islamic finance principles applied across a variety of financial matters.
Rulings and insights that consider the realities of today’s Muslim community.
Support for individuals, families, and organizations seeking long-term financial clarity.
Modern Innovation vs Traditional-Only Approaches
Unlike other established advisors who focus on institutional banking, Dr. Bradford bridges traditional scholarship with modern individual needs:
Personal consultations vs institutional-only services
Modern tools and platforms vs traditional methods
Competitive rates vs high-minimum requirements
All financial areas vs narrow specializations
Proven Success vs International Consultants
While other advisors serve global institutional markets, Dr. Bradford delivers measurable results for American Muslim individuals and families:
Superior Academic Credentials
Dr. Bradford's educational background surpasses most competitors in the field:
- Dr. Joe Bradford:
- Ph.D. - International Islamic University of Malaysia
- Master's in Islamic Law - University of Medina
- CSAA Certification - AAOIFI
- Published in Peer Reviewed and Academic Monographs
- Other Leading Advisors
- Most have single Master's degrees or traditional Islamic education only
- Few combine both traditional Islamic scholarship and modern finance Ph.D.
- Limited published academic work in prestigious international publications
Ready to Align Your Finances with Your Values?
Join thousands of Muslims who trust Joe Bradford with their most important financial decisions.
Don't let another day pass with financial uncertainty.
Get the expert guidance you need to build wealth the halal way.
Joe Bradford, CSAA
Certified Shariah Adviser & Auditor
Phd and Masters in Islamic Law
US and Intl Experience
- Your trusted guide for ethical financial success.
Certified Shariah Adviser & Auditor
Rigorous
Phd and Masters in Islamic Law
US and Intl Experience
- Your trusted guide for ethical financial success.