About Future U Financial

After over a decade at Merrill Lynch and Morgan Stanley, Josh grew frustrated with jargon-filled advice and hidden fees. While working on his Master’s in Quantitative Finance at Oklahoma State University, he envisioned a different way—one rooted in transparency, clarity, and genuine empowerment. In 2020, he founded Future U Financial to bring that vision to life.

Advice‑Only, No Sales.We don’t sell investment products—ever. Your financial success is our sole focus. We offer unbiased guidance, help you connect your accounts, and support you in making confident investment decisions—without shifting assets or chasing commissions.

Radical Transparency.From fees to investment recommendations, we don’t hide behind complex language. You’ll always know exactly what we’re doing—and why it matters.

Your Assets, Your Control.Keep your existing accounts. We review your portfolio without disrupting your current setup, offering objective feedback and ongoing monitoring to keep your plan on track).

• Busy professionals  
• Pre‑retirees and retirees  
• DIY investors seeking guidance 
• Investors who want a second opinion

No matter your income or net worth, our approach works. You're not another AUM number—you’re a person with financial goals.

Josh Herlan

• Veteran (U.S. Army Reserve; deployed to Afghanistan)  
• B.S. and M.S. in Quantitative Finance from Oklahoma State University  
• Former advisor at Merrill Lynch & Morgan Stanley (2008–2020) 
• Series 7 (inactive) & 66 licensed   
• Registered Investment Advisor in Oklahoma (CRD 5422990)

When he's not helping clients, Josh enjoys the lake life with his family and teaching finance as an adjunct professor at Oklahoma State University.

1. Initial Discovery 

•  Free 15-minute call to see if we’re a fit 

2. Account Linking & Analysis 

• Secure integration with top-tier planning software  
• Comprehensive review of assets, performance, fees, and risk  

3. Personalized Planning 

• Clear, jargon-free recommendations  
• Retirement modeling, tax sensitivity, goal alignment  

4. Ongoing Support 

• Monthly updates, scheduled check-ins, and live responses to market changes  

• You stay in control—you invest.  
• You see everything transparently—no hidden fees or surprises.  
• You learn financial fluency—what each recommendation means, and how to act wisely.

Schedule your free 15‑minute call today. Let’s see if we can help you build clarity, confidence, and control over your financial life.