ADVICE ONLY

Wealth Management

ADVICE. UNCOMPROMISED.

BOOK YOUR DISCOVERY CALL

Wealth Management

ADVICE. UNCOMPROMISED.

BOOK YOUR DISCOVERY CALL

How It Works

Information

The faster we can gather information regarding your personal financial situation the quicker we can add value. Often times just a few minutes of our time can create a tremendous amount of long term value for you and your family.

We will take the information any way you'd like to present it. The fastest and cleanest way for us is for you to securely link your financial accounts through one of our secure software providers. However, we are agnostic regarding which investment platform you use or how you'd like to share your information. Our only goal is to make sure you are comfortable, safe, and we are adding value.

Financial Plan & Investment Review

After discussing your situation, deciding on an initial scope of work, signing a client agreement, and receiving our required disclosures we will present our findings of your current financial progress as well as recommendations for the future.

Typically initial recommendations will be limited in scope until after the presentation. Once we have a better idea of how you'd like to proceed we will tailor our strategy, communication calendar, and service package based off your needs.

Ongoing vs "As Needed" Clients

Currently we offer two service packages:

We spend a minimum of 15 minutes per month and bill you at the end of the month for services rendered. You are welcome to give us a time cap or range (budget).
We only look at your account when you request us to do so, then bill for the time actually spent on your account.

Client Experience

After a strategy review, risk assessment, and cash flow based financial plan has been established we offer monitoring of your retirement investment accounts.

Typically this is done by sending a specific email to you regarding your investments. A sample email might look like this:

Title: Investment Idea

Hi ___,

Please consider selling ____ mutual fund in IRA account ending in 123 and buying __shares or __ dollars of exchange traded fund ___ in account ending in 123 based on ___ (research).

Please call with questions or to set up your next meeting.

Best,

Your Financial Advisor, Inc.

Future U Financial

Market Philosophy

Often times a passive approach can be the best approach. This is not always in Wall Street's best interest. As the adage goes "the soap gets smaller the more you play with it".

We believe in a Warren Buffet style of passive portfolio management. However, we do offer tactical and strategic ideas when and where we feel it is in your best interest.

Portfolio returns will be subject to market fluctuations, your risk tolerance, investment return goals, needs, and personal preference for market securities. We simply offer our guidance, recommendations, and ideas based on what we believe to be in your best interest.

We Do Not

Sell your data
Place trades in your account
Charge commissions
Receive soft dollars
Sell insurance
Sell annuities
Offer mortgages
Offer margin or lines of credit
Receive payment for order flow

Advice Only Key Advantages:

Advice only (aka consulting only) financial planning and wealth management offers a range of benefits, particularly for those seeking unbiased guidance, cost transparency, and full control over their financial lives.

🔍 1. Unbiased, Product-Free Advice

Keep your investments where they are
No sales commissions or product incentives
Planners don’t have the ability (on purpose) to sell insurance, annuities, or investment products
Advice is based solely on what we believe, and industry best practices state are best for the client — not what earns the advisor or firm a commission

💵 2. Transparent, Flat-Fee Pricing

Clear pricing upfront (hourly, subscription, or project-based).
No hidden fees, assets-under-management (AUM) charges, or sales incentives
Clients know exactly what they're paying for and what they’re getting

🤝 3. Fiduciary-Only Commitment

Advice-only planners are fiduciaries 100% of the time, not just when managing investments
Legally obligated to act in your best interest — always.
You can have more than one advisor

🧠 4. Education-Driven Guidance

Helps clients understand their finances and feel confident making decisions
Empowers clients rather than creating dependence on a salesperson or money manager

🗺️ 5. Holistic Financial Planning

Covers retirement, tax strategy, debt, insurance, college planning, estate issues, and more
Not just investment management — it’s your entire financial life

🎯 6. Flexibility and Control

Clients implement the advice on their own or with other professionals they trust
You remain in control of your accounts, assets, and financial tools

👨‍👩‍👧‍👦 7. Accessible for All Stages of Wealth

Ideal for those building wealth, transitioning to retirement, or navigating complex decisions
Not just for high-net-worth individuals who meet an AUM minimum

✅ Why Consulting (Advice) -Only?

“You pay for advice — not for products, not for promises.”

Advice-only planning offers the clarity, independence, and transparency that many investors have been looking for, especially in a financial services industry often filled with conflicts of interest.

What Clients Are Saying...

John

Great financial advice that keeps my investments growing. The bigger brokerage firms charge exorbitant fees. On advice of Future U Financial (FUF), I moved my assets to a “no-fee” trading service.

Now, for a very reasonable monthly subscription to FUF, I get investing advice, do my own trading, and SAVE BIG on avoiding the trading fees. And I get a level of personal attention that has educated me on investment strategies and the workings of the stock market.

Being in control of my investments by being advised and educated by FUF is the best financial move I’ve ever made.

Dan

John

I've worked with Josh Herlan for many years.

He is very proactive, responsive, and will help you understand the transactions and reasons behind them.

Highly recommend, and do recommend him, to others.

Matt

Brian

Over the past year, I haven't been able to decipher the market indicators to feel confident my money would be appreciating at
a level that meets expectations. Therefore I haven't been doing anything, which makes my anxiety go up. I got introduced to Josh and he explained how Future U Financial is an advice only firm and I will not have to pay commission or trade fees.

This coupled with scheduled on my time financial planning sessions made me a customer.

Now have direction and a plan that I'm excited about as we navigate through extraordinary times. The only regret I have is not working with Josh sooner.

Brian

Josh takes great pride in his work and has taken exceptional care of me!! Highly Recommended!

Wealth Management

Wealth Management