Advice Only Financial Planning & Wealth Management For
Busy Professionals Retirees Do It Yourselfers

Be Empowered to Take Control of Your Financial Future

We’ll teach you how to:
Place trades online for free
Increase your odds of a work optional lifestyle
Invest appropriately for your goals
Structure your investments to save money on taxes

WHY ADVICE ONLY?

Advice-only financial planning is a type of financial planning service where a financial planner provides advice and recommendations to a client on how to manage their finances, without selling any financial products or receiving any commissions from financial product providers.

We offer as much or as little hand holding as you need

Choose your plan:
No commitments
Change or cancel your plan anytime
A Financial Professional in your Corner

We offer as much or as little hand holding as you need

Active or Passive Investment Strategies
Talk as much or as little as you’d like
Custom advice to your situation

Service

Offering

Pricing

Initial Consultation
-Determine if we can add value
Free
Client Onboarding
-Financial Plan -Ensure appropriate custodian -Assert Allocation Review
$500 (two hour minimum at $250 per hour. Determined on a case-by-case basis. Depends on complexity of financial life)

Passive Investing

– Custom Meeting Calendar
– Only pay for requested time
– Passive investment recommendations

$250 to $1,000 annually

Tactical Investing

– One hour meeting per month
– Active Management
Investment Alerts to your inbox
– Custom portfolio to your goals
– Included limited individual stock recommendations

$500 monthly ($150 per hour for additional hours)

Personalized Advice based on where you are in life

Start your life of financial independence today

Accumulation

Preparation

Distribution

PLANNING DURING YOUR LIFECYCLE

SHORT-TERM OBJECTIVES

LONG-TERM OBJECTIVES

RISK PROFILE

PROTFOLIO ALLOGATION

PORTFOLIO ASSET CLASS

ACCUMULATION STAGE

Age 20-35

The portfolio is heavily skewed towards equities to generate capital gains

PREPARATION STAGE

Age 35-60

The portfolio becomes more balanced as retirement approaches.

RETIREMENT STAGE

Age 60+

The portfolio shifts toward fixed income to preserve capital and generate steady income.

HOW WE DO IT

After an initial call to determine if we might be able to add value to your family, we then work to quantify your financial lives and the opportunities for success.

By linking your financial accounts to our secure software we are able to provide an initial financial plan, review the risks, fees and potential of your current investments, and provide continued monitoring. 

We meet people in our office or at their home or office to ensure they are comfortable at every step of the way. We focus a lot of time on the initial stages of the relationship to ensure people are set up for success.

MEET THE FOUNDER

Hello,

Welcome to Future U Financial. America’s leader in the Advice Only financial movement. I’m the founder, Josh. I’m a dad, a veteran, and someone deeply committed to empowering you to live a better life through financial literacy. My firm is different from what you’ve probably seen, and it’s not for everyone. 

First, we don’t invest for you.  Not a penny. Instead, of keeping you in the dark, we believe in radical transparency. We empower you with the knowledge, and guidance to invest for yourself. I’ve found this process enhances trust, communication, and ultimately improves your family’s odds for success. 

By using the same secure financial planning software as the industry’s elite firms, it puts your family and our team on the same page by allowing us both to see all your investments in real-time. However, unlike most firms, it is not necessary to change firms or open new accounts to work with us.

Regardless, if you are new to investing or have been doing it for years, we will be with you every step of the way.  If you are serious about securing your financial future, I encourage you to schedule some time to chat and see if we’re a good match. 

Invest in the Future U today!

All the best,

Josh

The Future U Advantage

After years at two of the world’s largest wealth management firms we’ve realized clients can afford their own dinners and golf trips. What they really want is uncompromized financial advice that is transparent without a sales agenda,

Therefore, we leave schmoozing to other firms and just focus on sound advice. 

Keep all your assets where they are

See all your accounts in one place

Know when you can retire, and how to invest for today's markets

As little as 15 minutes per month

01

We are able to give truly independent advice

Capitalize on low hanging fruit to identify a ballpark value added.

02

Financial advice based on your goals

Override the digital divide with additional clickthroughs from DevOps.

03

We're here to help during market volatility

Nanotechnology immersion along the information highway will close loop.

Level-Up Your Investments with our Newsletter

We bring the breathe of our experience.

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Accumulation Phase

Accumulation:

  • It focuses on building wealth and saving for future financial goals.
  • During this stage, you typically aim to increase your income, reduce expenses, and invest in various assets to grow your wealth over time. They might contribute to retirement accounts, like PF. Also, invest in stocks, bonds, real estate, or other investment vehicles.
  • The primary objective is to accumulate sufficient funds to meet future financial needs.

Preparation Phase

Preservation:

  • In the preservation phase, you shift your focus from aggressive wealth accumulation to protecting existing assets.
  • The second phase usually begins as retirement approaches or when financial goals become more short-term.
  • The preservation phase involves adopting a more conservative investment approach with a focus on capital preservation and reducing exposure to asset classes with high risk and volatility.
  • It often includes strategies like diversification, asset allocation, and risk management to safeguard accumulated wealth and maintain its value.

Distribution Phase

Distribution: 

  • The distribution phase occurs when you start utilizing your accumulated assets to generate income and meet your financial needs. 
  • It begins at or during retirement when you transition from saving and investing to drawing income from your investments and other sources. 
  • The key considerations in this phase include determining an appropriate withdrawal strategy, managing tax implications, and ensuring sustainable income to support your lifestyle throughout retirement. 
  • You may choose to take regular withdrawals, set up annuities, or establish other income streams to cover expenses.