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
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
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
The portfolio is heavily skewed
towards equities to generate
capital gains
PREPARATION STAGE
Age 35-60
Taking vacations
Funding children's educations
Planning for retirement
Moderate
The portfolio becomes more
balanced as retirement
approaches.
RETIREMENT STAGE
Age 60+
Achieving desired lifestyle
Covering medical expenses
Estate planning
Conservative
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.
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.
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.